Hearted Youtube comments on According to Nicole (@AccordingtoNicole) channel.

  1. I’m a CPA and many of the clients I handle for my firm are high net worth individuals. Almost without exception they are low key and if you saw them in public you would not identify them as having wealth. And as far as I am aware, none of them are visible on social media or the internet at all. Stealth is the goal.
    1200
  2. My first whirlpool washing machine lasted almost 30 years, the second one made it 4 years
    1100
  3. "It's not about the money, it's about the freedom". Love it Nicole 🌱🤗
    971
  4. "It's a big club, and you ain't in it." - George Carlin
    829
  5. Blaming the public for their businesses performing poorly speaks to the level of entitlement and resentment the people who run these companies harbor.
    549
  6. Always live below your means period. Most people don’t get that that more you make doesn’t mean the more you spend. Being over 50 and debt free feels so good!
    480
  7. I get dirty looks for not tipping when ordering takeout. They can keep giving me the stink eye. I’m not tipping for picking up my own food.
    468
  8. I don’t think being an adult has to mean following a laundry list of going to college, getting a “professional” job, getting married, buying a house and having children on a prescribed timetable. Being an adult simply means making your own choices and taking accountability for the consequences of those choices.
    448
  9. I would rather live in the tiniest shoebox sized studio apartment, than a. share with a flatmate(s), and b. live in a house or larger flat in a bad neighbourhood. I’ve done flat-sharing with four other people when at university, never, ever, ever, again 🙈
    442
  10. My car is 14 years old. Only 75000 miles. Took it to a mechanic recently and he told me it’s good for another 10 years. I love my car.
    418
  11. Hey Nicole, I charged $4,000 on my credit card to save my dog when she was only about halfway through her lifespan. Yes, bad finances and I carried that debt and interest a very long time, but my dog got to live her allotment of 16 years instead of just 9. I'd do it again in a heartbeat.
    401
  12. I have to say this is one of the best “frugal” living posts I’ve seen so far. Most of the ones I’ve come across talk about buying cheap food (unhealthy full of chemicals and preservatives), and giving up basically everything (no car, no entertaining, etc). For me, being frugal is about making smart choices and setting your priorities straight. I watch what I spend, keep a spreadsheet budget, shop sales, use coupons, and refuse to follow trend. I select healthy and fresh foods, make A LOT from scratch (both good and hygiene items), and love to get together with family and friends at our homes. Every once in a while I do fun activities outdoors, but try to find ways to save by using coupons or rebates for example. When I travel, I purchase my plane tickets with frequent flyer miles I accumulate throughout the year, so my personal trips are all very cheap. Over the summer I flew to Europe from the US, round trip for $70.00!!! There are so many ways to stay on budget and still enjoy life.
    350
  13. “Religion is excellent stuff for keeping common people quiet. Religion is what keeps the poor from murdering the rich.” ― Napoleon Bonaparte
    305
  14. I have not even finished watching your video and just want to say, someone has finally said OUT LOUD what I have always thought to be the truth. THANK YOU Nicole.
    295
  15. Companies want a 20-year-old, with the work ethic of a 30-year-old, the maturity of a 40-year-old, the experience of a 50-year-old, who will work for the salary of a 10-year-old. Hmm Hmm...
    279
  16. My hot take: Restaurants should be reserved for meals way beyond my technical abilities or meals that will stink out my house. 🤣
    272
  17. Can confirm the cast iron thing. In college in 2011, I took over ownership of my grandmother's cast iron pans that were a wedding gift from her grandmother, in the early 1940s.
    268
  18. I appreciate that you drove to all of these locations to film maybe 2 seconds of footage a piece just to show us.
    249
  19. I don't care what anyone says about you, I think your channel is AMAZING! Please continue to educate us. 🙏❤️🙏
    246
  20. One of the biggest financial mistakes anyone can make is not taking care of their health, especially if you live in the US. (because of our insurance system). As a retired nurse, I can say that most of my patients had either completely preventable health issues or issues that could have been mitigated by simply eating unprocessed whole foods, regularly exercising, not smoking or drinking, getting enough sleep, and adopting other healthy lifestyle habits. The cost of treating the effects of being overweight and not doing the things I mentioned above are astronomical, yet many refuse to do them. I can't tell you how many people I talked to who were in denial about the toll bad health habits was taking on them. You may have good vital signs, labs results, ect for awhile if you are not taking care of yourself, but I guarantee it will catch up to you and nothing will drain your bank account like medical bills. I understand that not everything is in our control and some illness is not preventable, but so much is in your control and is your responsibility to take care of. Please, if you want to be financially secure, TAKE CARE OF YOUR HEALTH.
    230
  21. I’d rather have a cheap purse with money in it than an expensive purse with nothing in it
    225
  22. I don't see ads because I pay for YouTube premium
    221
  23. Another charity scam is when you make a purchase at a store and they ask if you would like to donate to a charity. That donation is made by the company, not you, and the company gets the tax write-off.
    215
  24. I own an eco friendly housekeeping company and I work alongside my staff. We make a lot of money but physically is very hard on the body and I randomly have people who put me down and say I charge too much and I have a no brain job. Well I pay my staff a living wage and have to pay taxes, insurance, gas, an accountant, bookkeeper, etc and not only that we literally clean shitty toilets and nasty kitchens. I love what I do and am grateful but it’s not easy and I still would rather work for myself than anyone else
    211
  25. Thank you for making this video. Its absolutely insane! We stopped going out and patronizing any business that expects me to tip for you putting in a few cupcakes into a box and handing it to me.
    207
  26. Private equity invaded my small town. Bought up some family owned businesses; plumbers, HVAC specialists, my dermatologist, for example. They call it "roll-ups", where small businesses are all rolled up into a larger corporate whole. Owners get cash up front, but actually become employees rather than owners. My plumber regrets doing it, but can't afford to get out of the contracts he signed.
    200
  27. Consider yourself rich, if you have food shelter and good health. We live in a materialistic society. The moore you own the more stress and financial issues you have.
    200
  28. I worked in the veterinary medicine field for 20 years. I left my first hospital when they were bought by VCA. Then the second hospital I worked at... was bought by VCA. Then the third hospital... I quit and started my own pet sitting/dog walking business because f*ck them!
    195
  29. If you ended up dating that one dude, you were literally going to be covering every single emergency expense he encounters. You would be covering every single house/personal supply. He's a child.
    193
  30. I have commented before but I live in Las Vegas. I worked in casinos most of my life until Covid and we all got laid off with no idea when we would come back or even get unemployment. Out of desperation I started cleaning houses for $25 an hour to survive. Well it’s almost 2024 and I own the only completely non toxic, eco friendly housekeeping company in the city, I have 5 employees, am licensed, bonded and insured and charge over $50 an hour per person. We have weekends and holidays off, I now work less than 20 hours a week and make triple what I did working for those big companies. I absolutely love what I do! I get to choose who I work with and who we work for.
    190
  31. Both US and China are both dystopian nightmares to me with their overworking culture. Technological revolutions supposed to make our lives better, so we can work less and have more leisure time. But instead only bunch of ultra rich people take all the benefits, while rest of us works more and more for same salary and promises of better life in the future.
    187
  32. At Panera (casual dining) I walk up to the counter and order my food, fill up my beverage cup, pick up my food at another counter, get my own beverage refill, get my own napkins and condiments, bus my own table and they still "ask a few questions". I'm not against tipping but feel it's gotten out of hand.
    183
  33. lmaooo @ "well dont worry, youre not invited" love it
    182
  34. Bob Dylan once said a successful person is someone who gets up and does what they want to do.
    181
  35. 💜 im using that quote, " if youre not angry, youre not paying attention."
    178
  36. 57 year old ER doctor. Like so many of my colleagues, I pursued medicine because of my passion for science, medicine, fascination about the human body, and wanting to help my fellow humans. Fast forward 20 years, and like all of my colleagues, I am pretty miserable. Medicine is not what it used to be and it has become such a miserable, high pressure grind. When I walk out of the hospital, the last thing I want to do is read about medicine, disease, etc. And 20 years of working on the front lines of our society in the ER has, well, frankly tarnished my love of my fellow humans. Nowadays, I look forward to my precious alone time and the time I have to immerse myself in my hobbies like language learning, fitness, guitar, and quiet time with my beloved dog. But at least it does pay well and I will be able to retire comfortably in a few more years. Thanks Nicole…great video and great topic. You nailed it.
    176
  37. For me, this is your best video so far and I hope it goes viral
    174
  38. I’m a middle school teacher in my 60’s, and practically on a daily basis I have the opportunity to talk to kids about their decision making process. When it comes to drugs and alcohol I highlight that virtually everyone knows of someone older than them with a drug or alcohol problem: it could be family, a friend, a neighbor, some celebrity, etc. I always point out to the kids that drugs and alcohol didn’t solve that person’s problems - so it won’t solve your problems either. I think I’m going to expand on that to include other coping behaviors like hoarding and impulsive shopping and abusive and predatory behaviors.
    172
  39. I simplified my life by selling stuff i didnt need, not paying for things and services i dont use or need and i managed saving little over 20k last year by doing this. I have done the same thing several Years in row. Btw, i have a suuuper low income, so this is kinda big that i managed this. 🙌
    172
  40. "When you choose to live your life as a passenger in someone else's car, don't be surprised when you end up upside-down in a ditch"....god love you for this one 😂.
    169
  41. I am a 53-year-old grandma and you are the age of my middle child. I have learned so much from you over the past 3 years. You had less than 500 subscribers when I found your first minimalism video. I am now saving and investing for the first time in my life because of your videos. I took up two side gigs. I love your mind, love your snark, and love Levi. Thank you for what you do.
    168
  42. Top tip. Negotiate with a car sales person as if you plan to take finance. Then offer cash when they’ve exhausted all their perks.
    161
  43. For me just the idea of "stability" and "safety" has been enough of a why.
    160
  44. A lot of people think I have money they ask me for loans… or look at me as privileged… but the truth is I’m frugal in 99% of my life and that’s why I can save what little I do earn and have… it’s not that I’m rich it’s that I’m smarter with my money than the family and friends that think of me in such a way. 🤷🏻‍♀️ I sacrifice in a way (but they don’t see that, it’s just a lifestyle I’m used to doing). They blow their money. On the other hand others think I’m dirt poor and give me things. 🤷🏻‍♀️
    153
  45. As a fairly newly retired person. I think working for other people, period, can be a big scam. Many of my positions in my work life were for a university. The benefits were great, yes, but the salary schedule was fixed and really far below market value for my skills. Also working in the non-profit sector, which was my preference, was unfortunately on the lower end of the pay scale. Doing something good is never appreciated in the way that earning a shitton of money for a corporation is . . . sigh. Now that I am retired, I have confirmed to myself that time is truly worth more than money to me, any day. I am happy to work on my art and spend my time my way, without answering to anyone for it. Hallelujah. BTW, I retired without a nest egg and am mostly living on social security and my freelance graphic design work, and art sales when they happen. Another scam to me is all these you tube videos that scare the shit out of people saying you will never have enough to retire. If you want something bad enough, in my experience, you will find a way to make it happen. Love your videos and look forward to them every Sunday!
    148
  46. “Do what lets you have the life you want.”
    139
  47. I went with a coworker to get a small iced coffee with almondmilk my order took a minute I could not believe it cost me 6 dollars and they charged extra for almondmilk and then wanted a tip on top of that. This is why I always make coffee at home and never eat out. My coworker said this is normal. The coffee was terrible.
    139
  48. I see this all the time. My parents were that way in the 80s, they seemed rich and when they got a divorce they both had to downgrade every aspect of their lives. While I never had to go without essentials it was a lesson. I remember working with someone who had a big fancy house and 2 BMWs and she was crying about a $700 car repair and had a yard sale to try and get some extra money. I was sitting there with my small old house and Kia thinking "what? I would have NO problem with that car repair". I was 29 or 30, and she was closer to 40 at the time. AND she had a kid! It was eye opening!
    138
  49. As someone who works in HR .... you are 100% correct in your statement that they serve the company, never the employee. "Going to HR" just means giving them advance notice of your ammunition so that they have enough time to formulate a defense strategy to use against you. At one time I was with a large corporation who utilized a so-called "Third Party Independent Employee Relations Team" with assurances that they were completely separate from the company and completely unbiased. Yet the ER Investigator's rulings always seemed to be in favour of the corporation. Fast forward less than a year later and the so-called independent ER Investigator with the third party ER company applied for, and got hired into a high-paying Vice President position of the corporation that he was supposedly independent from. Funny how that works.
    136
  50. I do the opposite, trying hard to look poor/average even though I could easily cash a car that most people have huge loans on or worse, they lease it for twice as much my house cost each month. I drive a VW polo, don't need anything more fancy than that, I love that car. I've had fancy cars in the past and the only thing you get is a black hole in your wallet.
    130
  51. “I seem to be really good at ruffling feathers, and honestly, I don’t really care. Side eye. Smirk. 😒😏” This is why we love you, Nicole! Great video!
    130
  52. This is your best scams video yet. And I agree with you 100% on the religion aspect.
    128
  53. I love when you say if you can't afford to pay for it twice, you can't afford to pay for it once. This is so true and I wish everyone would take that advice. BTW - Levi is absolutely adorable!
    126
  54. Yes! I grew up in the 1970s, so I understand all these experiences that you related - and then some. Everything is instantaneous now. The joy of anticipation is gone. And you don't even have to leave the house to do anything any more. I am so glad I grew up in an earlier era. My childhood was fun.
    126
  55. The thing about the cows. I live rurally near a dairy farm..well..the dairy farm is at least a mile or more away. The cows scream for hours when their calves are removed. I can hear it from my house and it is horrifying. I agree with you about Gap clothing. I used to shop their clearance to get high quality items but they are terrible quality now. I have several tiered t shirt dresses from them that I wash in lingerie bags and line dry and after one season they all started to come undone at the seams. I have recently been buying from Duluth Trading Company and find their stuff is be very good…but you have to not mind wearing Gardencore Aesthetic.
    124
  56. That comment of the difference between putting money into a car payment versus money into your future is nothing short of brilliant. I’m so glad you said that.
    124
  57. You are wise beyond your years. Thank you for this. Sharing this with my 17 year old daughter.
    124
  58. Just brought a 21 year old car for $2000 with cash that I saved up for 3 years monthly. I can afford a much more expensive car but I’d rather not waste money and spend it on things that truly matter to me.
    123
  59. The 9-5, 40 hours week was designed in the 30’s and 40’s with a man in mind. It was ideal because he worked all day, and had a wife to do cooking, cleaning, and child-rearing. This model no longer works because there is no domestic servant to do all these things now that we have to be 2 income households due to voting for politicians who enacted “trickle down economics” and tax breaks for the wealthy, allowing a transfer of all the wealth created by the lower classes to the rich, and that’s why life sucks now.
    121
  60. I would like a part 2 of this video. Thank You.
    121
  61. Totally agree on real estate agents. Having sold 2 properties in my lifetime, I've felt the pain of 5% (+ 13% HST!!) commission first-hand. Not to mention the insanely high taxes on capital gains for income properties ... but that's another story. There is no justification for paying a real estate company tens of thousands of dollars for doing so little actual work. And the pressure to lower the asking price for a faster sale and quicker turnover, which also benefits the agent - not the seller. I'd be happy to pay someone a flat fee for helping me through the process, but this 5% nonsense is a pure scam.
    120
  62. Self care means learning to say no. No excuses. No reason given. Just no.
    119
  63. I totally agree about skipping on the bank fees. Such a scam!! Your rant is totally justified. I have been a member of a credit union for years and pay no fees.
    118
  64. So many of my friends use Temu and Shien and like.... it angers me. Even if you explain to them why it's so bad to use i they just respond with "Yeah but it's cheap and I'm broke." Babe, I'm broke. I just don't buy shit.
    116
  65. I could not resist asking Siri the cheap vs. frugal question just to see what it would say. 🤣I also reuse aluminum foil and parchment paper, price match, wait for items to go on sale, coupon search, do laundry before 7 a.m. weekdays or on the weekend because of the rate change during peak times, make my own almond milk, hummus, nut butters, cleaning supplies, air dry most of my clothing, stick to a classic style wardrobe, utilize the library instead of buying books, only use streaming services during the trial periods and walk anywhere that I do not have to drive to save on gas.
    114
  66. Someone said "Your house looks uninviting and you said you said Good you're not invited" while smiling as if to laugh. I fucking love you.
    113
  67. The idea of socializing after work with colleagues makes me want to hide forever.
    111
  68. Private Veterinarian Hospitals have gone corporate and the fees have gone way up!
    108
  69. Please share your nervous breakdown if you’re comfortable. I’m in the middle of a divorce and would love to hear a success story of someone coming out the other side of a difficult time ❤
    107
  70. Going back to the old ways (CD, DVD, Blu-Ray, Mp3) has allowed me to spend less over time and not be subject to crappy algorithms. I like life with few/no subscriptions
    106
  71. This is all so true! People are broke and refuse to live within their means! Great video Nicole!!! I started investing in my 401k at 18 and still going strong!
    104
  72. What I like most about you is that you are unafraid to be your own person and just be comfortable in your own skin. People can learn from this because many are walking around blindly following like sheep, never questioning and unaware that they are not living in freedom!
    100
  73. This is turning into a philosophical channel and I'm here for it. I can learn from this... I have been known to be rigid towards achieving a goal... But you're right, there are always other ways to get through it and achieve it.
    98
  74. In the USA, it's illegal for non lawyers to own a law firm. But they're trying to change that and this is why.
    98
  75. Good on you. That's a really nice part-time BUSINESS. No commute, no dress code to follow, no boss on your back, no complaining coworkers, nice dry climate-controlled atmosphere. Not to mention, almost no overhead. You deserve every penny you were paid, and did a great job explaining everything. Thanks.
    97
  76. I agree with all your points in this video. And I also been packing my lunch and eating dinner at home. This is to avoid the awkwardness. We shouldn't have to supplement wages as consumers. It should be the businesses. They shouldn't be making less.
    94
  77. “Do your parents help you financially?” “Just Onions.” Walks Away
    93
  78. I use a waterproof mattress cover as well, definitely bc of that time of the month, comes unexpected or heavy, most girls understand this issue, and most have had accidents. I like to see a nice clean matress also protected from sweat. Nothing better than knowing my mattress is clean.
    93
  79. This young women is teaching this old women a thing or two. Thank you. ❤
    92
  80. I noticed as I get older, l seem to deni myself of things I enjoy . Because of money needed for necessities of life . But then I think tomorrow is not guaranteed for any of us. It's a double-edged sword for me .
    91
  81. I never aimed for true minimalism...but as someone who has always been an outdoorsman who cares about conserving our natural spaces, I have always had a mindset about not being wasteful.
    91
  82. It's not just debt. You lose 4-6 years of your life.
    87
  83. Thanks to YouTube for pushing her channel in my direction I am paying attention so inspiring young lady ❤️
    87
  84. Your videos are the opposite of click bait, and the smooth calm delivery is an island of pleasant in a sea of frenetic yelling.
    87
  85. This video should be played in high school personal finance classes.
    87
  86. Your video reminded me of the saying: There always will be people who will find a problem with every solution.
    86
  87. 😅Many youtubers seem like they're just copying what others do. You're one of the few that I follow that have their own style, so I love that. Keep up the good work.
    86
  88. I work in a research lab, with some of the smartest people in academia that I've ever met, and because we're in a combination of education and healthcare, I've always assumed that the people in the tops of these fields were the ones with morals made of titanium and ethics that would rival that of a saint. I was so damn wrong. I had a bit of an existential crisis when I realized that a lot of the smartest people around me were engaged in really deplorable behavior - everything from cheating (both in their marriage and in their job), talking down to those who were 'beneath" them and just general assholes at times. It's like they all drank a potion to inflate their ego and level of unethical behavior when they reached their positions and never left.
    84
  89. For about a decade of my life I was an interior designer. I did high-end custom residential and worked with some of the wealthiest people in my community. I would state that about 80% of them were either total assholes or completely f*** up addicts in some way. They either treated me like s**, calling my boss to report something I had done, always looking for reasons to be offended and wanting me to kiss their boots, or just talking down to me in really nasty ways. Or else they were alcoholics, sexaholics, or had severe eating disorders. I totally came to the conclusion there is about an 80% chance that lots of money really f*** your head up.
    84
  90. Your channel isn't slowly growing, it's growing fast & I'm so happy because your videos are great. Also on a side note, I closed a bank account last night that was charging a $12/mo. fee, & the whole time was thinking of your video where you ranted about lighting the $144 on fire & it being more entertaining than letting the bank take it lol
    82
  91. As a “Genius” technician at an apple retail location, I wholeheartedly agree with everything you stated. Also, working there feels like a cult
    81
  92. I will pay for your overpriced beer. I owe you for all the times I have enjoyed your videos. Thank you for your work!
    79
  93. Even Marie Kondo is no longer doing hee minimalism thing. I suspect minimalism might be a stage to pass thru as a mechanism to break the consumerism we are surrounded with. Not certain, I dont believe I've ever been a minimalist. Its more about intentional living/spending.
    78
  94. whenever I have a shitty day, I only have to watch Nicole's video's to feel better
    76
  95. Ive watched quite a lot of your videos now and Im fairly certain you could take any boring subject and make an interesting video out of it. Well done, you are doing a great job AND DESERVE THE SUCCESS YOU GET.
    76
  96. Your anti-budget changed my life. Literally! I had been trying to budget for years without succes until your anti-budget video. It is simple to understand and the key for me was that it has essentially 2 categories, fixed expenses and discretionary. Thank you so much Nicole.
    75
  97. Wow, another awesome video! I love the way you call a spade a spade! Yes, organized religion is designed to keep most people docile and compliant, while a very few at the top become unfathomably rich.
    75
  98. Puppy eating was so cute!
    75
  99. 15 yrs self-employed. $250-$325/hr. Clean windows on commercial and condo buildings. Super low expenses. 39 yrs old. BARISTA-FI.
    74
  100. Dairy is disgusting and completely unnecessary. Thank you for talking about this
    74
  101. When I was a teenager, my friends were primarily guys. My Mom always told me if they were hanging around, they were interested. I never believed her. She was right. 🤣
    73
  102. As a former Value Village "floor supervisor" (the person that gets called over when a customer wants to yell at someone they think is in charge) - thank you! I can't tell you how many times I've had to surprise some very irate people with the information you just shared! (This was close to 15 years ago, and it feels like people are just figuring it out!)
    72
  103. Hey Nicole, take a step back and be very proud of all you have accomplished. For now, you don't have to worry if this is your forever home or not. If it helps you feel more settled, make a few changes, and then see how you feel about it later. And HUGE congrats for hitting over 25k!!
    72
  104. YouTube university has also saved me sooooooooo much money! I make sure I thank the people who have taken their time to put videos out there on how to fix things like the seatbelt in my car.
    70
  105. Seeing Levi is self care! For me lately, getting to bed on time and getting enough sleep is self care. I feel so much better when I’ve had a good nights sleep.
    68
  106. Off topic af, but your home is lovely. Simple and clean and just serene. Just wanted to put that out there. Love your content and think your advice is spot on!
    66
  107. I've noticed this too. I feel bad for the new generations growing up with social media. Who knows what impact this will have on society in the long term! I feel privileged to have grown up in the 90s!
    66
  108. "if anyone hurt him I would have to dispose of a body.." Lol! My sentiments EXACTLY.
    65
  109. I love your transparency. May your YouTube subscribers double by year’s end.😊
    64
  110. I had no idea whatsoever how much money a monetized YouTube channel would generate for the channel owner. That’s quite impressive for the first month and a half that you were eligible! This was a very interesting video, thank you for sharing your numbers. I’m not sure how/why your video was recommended to me last weekend, but I’ve enjoyed watching your older videos and getting caught up.
    64
  111. Also, you really sell yourself short. You "might only have a high school diploma," but you are one of the smartest, down-to-earth, honest people I've ever come across! I have an Associate's Degree (2 years), and I am now doing something related, but not my major, and I believe college is a scam for anything OTHER THAN Medicine, Law, Engineering, and Science degrees. Basically, if you're not going into a Law or STEM career, why are they trying to force college on people?
    64
  112. one important thing that wasnt mentioned in this video is that the majourity owners of vanguard, state street and black rock are... vanguard, state street and black rock. so you have a bunch of companies that own everything, that are owned by the other companies that own everything.
    63
  113. You’re absolutely right about this! My daughter works for a dentist who recently went corporate. They are now not allowed to complete a job if it takes longer than one hour on someone’s teeth even if that patient has severe issues that will make them sick. they need to rebook them again, how many people do you know have insurance that will pay for more than one visit or two a year? They have been given quotes on how many people they have to cycle in and cycle out in order to make their bonuses well they did not make their bonuses so now they don’t get one. They have new people coming in that are making more money than the originals are, which of course causes people to be pretty upset because the originals have years and years of experience as well as the mindset to take really good care of patients. It’s all about the mighty dollar now and that is very sad.
    63
  114. I laughed out loud when you broke out the megaphone and declared that nobody cares about you! 😂 I love this video. Hearing you speak the truth in such a direct and droll manner is so refreshing in a world full of slick lies. Well done!
    61
  115. 77 years old and I’ve found my hero. I absolutely adore you 💕
    61
  116. I loved this! You are completely correct we are all working for the money so we can sustain our lifestyles. I worked in the Insurance business for 20 years. I climbed the ladder and made really good money. I had great benefits for healthcare and vacation time. However the place made me sick, literally, which caused me to use the healthcare. And the four weeks of vacation was a must so I could continue to go back into the off. So before I turned forty I decided I was getting out. I now drive a school bus 🚌 😂. I love it. I make very little money but when I cut out everything it was costing me just to go to work I am much better off. My health is so much better out of that high stress job. I make enough money to live and I’m happy with that. And now I get a lot more time off. We are all needed to keep the world going. I don’t look down on any job. Where would we be if someone didn’t come and pick up the trash every week?
    60
  117. I remember the Sears Wishbook. A holiday tradition!
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  118. The destruction of the third place is intentional and malicious. The most dangerous thing for the ruling class is for the people to congregate and start talking to each other. coffee shops played a large role in fueling the French Revolution - people of different classes mixed, forming bonds of kinship, had an opportunity to see their similarities, complain about taxes, and eventually organize. I went to a coffee shop every day for 12 years. It had been a gathering place for at least 40 years. Every day by 3 PM there would be a cloud of smoke and several groups of people that would intermingle, drifting from one table to another. It was a tempting place to stop for strangers walking out of the adjacent movie theater. They were open till 2 - perfect for people leaving the adjacent bar to sober up before going home. Around 2012 that shopping center was bought by an out of state real estate company who raised the rent, built a chain coffee shop in the middle of the parking lot, and sneaked into city hall to pass a smoking ban that was only enforced at this shopping center. The tone changed over night and the vibe was dead; by 2014 there was no significant population of regulars. I spent the next couple years exploring public gathering places. As a home health nurse I spent A LOT of time working on my computer in random places so I had daily opportunities to loiter in public for hours (before covid). Maybe there's some dive bars that survived the last decade, IDK, I don't drink, and couldn't afford to drink at bars if I did. Maybe there's some active church communities that survived the last decade, IDK, I'm not religious. But I know for a fact that in the south silicon valley, there are no secular, class heterogeneous third places to just loiter at and meet strangers. I used to think this loss of third places was wholly a product of social anxiety's cure - social media. But as I become more politically educated I can't help but notice how devastatingly powerful this loss is for the ruling class. We may have been nudged towards isolation by the inevitability of technology, but public policy pushed to guarantee our isolation. I'm not claiming a huge organized conspiracy. Just a thousand little cuts - a real estate company here, a starbucks there, a news report about how unsafe we are, an anti-ergonomic bench placed by a city to move the homeless. Like Carlin says - there's no need for conspiracy when interests of the powerful converge. The opportunity to live a full human experience and connect to our community has been stolen in order to protect the status quo and keep people out of public unless they're rich enough to drop $100 minimum on a night out. Because I promise you - if you are so poor that you need to consider the value of $100 for a couple of hours on the town, then your interests are 100% counter to those who make the decisions; you are dangerous and can not be allowed to congregate. PS - one venue that seems to have survived is Vietnamese coffee shops. I didn't know this was a thing! The baristas wear bikinis and serve middle aged guys playing card/dominoes as they watch sports on TVs that cover every inch of the walls. If only they spoke English and played Magic: The Gathering I might still have a reason to leave the house :(
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  119. Wow 😮 I’m so sorry to hear what you are going through. Stress like that can really mess up your body. I pray this is over soon and you can find joy again. I have many life choices that I regret. Our housing regret started in 2018 when I sold my condo as did my Mom so we could move to Florida. We moved 1000 miles south and everything went wrong. Our car that we had bought a week before moving was hit the first day in Florida. Then my job was not what I had expected and my husband’s job ended up not hiring him. So looking for work to keep our lifestyle was stressful. We were deathly afraid and decided to run back to our home state. After only living in Florida for 8weeks we moved back. We both were able to return to our previous jobs. We bought a house with my Mom. Life should have resolved itself but it didn’t. The nightmare continues even up until now. After living with mom for a period of time I knew we couldn’t continue. We sold that house and got her money back to her. We were now out of a lot of money. Mom has bought another house she can afford but it’s 45 minutes away. Not the just down the street location. We are still renting because we can’t afford a house in this market. It will be at least another year before we can buy again. The condo we sold for $140,000 now costs $225,000. We are renting one exactly like our old unit for $1500 a month and our previous mortgage was right at $1000 with taxes and HOA fees. So much regret and money lost. Living and learning hurts. Keep posting your story as it will hopefully help someone else make a better decision. If only we had stayed put in our last condo and not moved to Florida. But even after all of this we are thankful we still have a nice place to live and hopefully the next time we buy we will be content to never move again.
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  120. This video really motivated me to change some things in my life. Since covid started I have not been getting dressed, eating right, or cleaning my home. Your video has given me the spark I needed to get off the couch and do something. Thank you. By the way, I love your channel.
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  121. Temu is worse then you think. I used Temu twice and my card got compromised.... twice. I thought the first one was a coincidence. After my card got compromised in less then three days after the second purchase, I figured it out. I really wonder if they sold my card information.
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  122. Although I am a Christian I totally agree with you Nicole! I no longer go to church because it was all about money! It became more more more money! I could never be mad at you Nicole ❤
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  123. Poverty is isolating. In my younger, poorer, days my friends would meet in restaurants and bars while I sat home by myself because I couldn’t afford to go. I couldn’t go with friends to the movies. Co-workers would go out to lunch together, but I would lie and say I wasn’t hungry or I had work to catch up on. I always wondered if they knew I really didn’t have any money. It was a lonely life.
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  124. Message of the video: Don't just blindly follow trends. Think for yourself. You'll save a lot of money and have the added bonus of not being like everyone else.
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  125. Do you know how good your videos are? They are so good, that even a german guy watches them :) Me! Very interesting thoughts. Will you tell us more about your own business in the future? All the best from Germany Markus
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  126. So true about corporate greed. I do not see food prices going back to pre-pandemic ones...they are here to stay:face-pink-tears:
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  127. I was a licensed realtor from 2000 to 2008… I was actually prevented from trying to save my clients money by charging less… Once you understand that the National Association of realtors has one of the most powerful lobbies ever in Washington DC, you start to get the picture. There is no vested interest in “helping you find a home” their SOLE purpose is to protect the Archaic commission structure’s… Fortunately, the department of justice is taking this head on right now!
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  128. Your videos keep getting better and better!
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  129. “This is where I poop” 😂😂😂
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  130. Next month, if all goes like normal, I will have my 10.000 euros saved. It has gotten better to save because I am working more hours now. Now I can save money but also spend some on my own wants. 👍👍
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  131. The system has failed all of us. This is not normal. We need to change things
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  132. I was in 9th grade when 9/11 happened, and the recession of 2008 hit hard, me graduating from college a year later. I actually married my husband because we couldn’t afford rent and life expenses on our own. Luckily that turned out well and we are still happy together almost 15 years later. But yeah, money and the environment around you influences so much about the life choices you make.
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  133. This was an intense video. And yes friend, you are not alone in feeling this way. ❤
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  134. Your mini rants are hilarious truth bombs! I feel so much joy after watching your videos. You're like my super smart, strong and honest BFF. Sending love from L.A!
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  135. Great video! Wise and funny🎉 Another harsh truth: stop wanting and waiting for people to change. If someone treats you poorly, realize that is probably not a one time thing. On that same note: you don't have to take s... because you're related to someone. Stop making excuses for people's bad behavior.
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  136. Actually it's a very good question - what does rich life means to me. I spent several minutes thinking about it, and I have to say, that for me it's just simply not being worried for my future if for example I loose my job, or get sick or disabled. And only having my own house with paid mortgage can solve most of it. Because having a roof above my head that 100% belongs to me means that I most likely won't starve to death - it's always possible to rent someone a room, buy minimum food, survive on minimum wage or social benefits, etc. And also medicine of course. Living in a country with social medicine solves it too. And I don't need fancy clothes or cars to be satisfied with my life. I don't need to be rich, I just need to be safe.
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  137. HOME DECOR CONTENT FROM NICOLE? I’m never leaving. 💫
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  138. Girl! I think I love you. You are funny as hell, and educational. I can't stand the freaking winter either. Poor Levi having to take a shit outside! Well, good material, and keep it up. Merry Christmas. Please don't go out and buy a bunch of stuff. If people expect you to buy them a gift, fuck em. 😊
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  139. I’m 5’7” with long torso too. I stumbled into a plethora of options a few years back - shop men’s. The sweaters and tops are longer torso and arms, usually better quality for less cost (less fast fashion). I also shop men’s pants too since you can shop for leg length specifically. It’s crazy how deep the pockets are.
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  140. Here was my deal: Bought a dishwasher at Lowe's online (install included), they had a $140 rebate and free shipping for purchasing online. I used my sister's contractor credit card and saved 5% ($45), used Rakuten ($41 cash back). I used the $140 Lowe's rebate to buy things needed for the home. I had been stalking the dishwasher online waiting for some type of deal, so having patience helped. Great video Nicole!
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  141. I absolutely love your blogs, Nicole! I started making my bed every day when we moved into our new house. It really does feel nice to get into a made bed at night, and it's just a habit now. Another habit i've recently adopted is running the dishwasher at night and wiping down the stove and kitchen counters. It's nice to wake up to a clean kitchen. Another habit is to think of my morning coffee as a reward. I start the coffee maker and start unloading the dishwasher. It's turned into a game of seeing if I can empty and have everything put away before the coffee maker beeps!
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  142. I am a mix of both but I definitely lean more on the saver side. I’m about to graduate college without debt (full scholarship plus working my way throughout) and about $17k in the bank I’ve saved by working. I have treated myself throughout college but not nearly as much as my friends. At times I have felt like I’ve missed out on a few things but I don’t have regrets.
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  143. I know you gave a disclaimer that this isn’t medical advice —etc etc—but I’ve been binging your content and you’re my new therapist. Just saying. 😉 In all seriousness— your content /YOU are so interesting, informative and inspiring! Can’t wait for your future TedTalk! Glad to see your channel growing and that so many are also being inspired by you! Oh, also, you’re super funny. So, thanks for giving great advice and a laugh along the way!
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  144. Speaking of ebikes, I bought one a couple of years ago. I live in a bikeable and walkable small town. Everything within 5 miles, I take my ebike weathering permitting. I bought a cart so that I can go to the grocery store and run all my errands. I save so much on gas, wear and tear on my car. I don't even use my car for those short trips anymore. If you are in a bikeable town, I highly recommend getting one. Also it serves as a great backup to my car. My car was in the shop so I just used by ebike to get around town. I didn't have to rent a car.
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  145. I have been overwhelmed to the point of almost feeling paralyzed since my husband passed away. This video has energized me to set small goals to move forward. Thank you for being you and for sharing.
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  146. Brilliant! Agreed 100%. Plus I’d never even thought about school homework being early conditioning for having no boundaries with bosses’ unreasonable demands - spot on! 👍 👏👏👏
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  147. I love this channel! Maybe it's because I am in Toronto too, ha ha. I find your tips super helpful. I do a thing I call Finish the Fridge. If I am tempted to grocery shop on the fly, I tell myself to go home and make a day or two of eating with what is already there. There is always something and usually the urge to shop is just being too lazy to cook.
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  148. Nicole, I love how you always keep things real. You are the bomb.
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  149. You’re so relatable and easy to listen to. Thank you
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  150. You are 100% correct !!! I love the fact that you are no bullshit !! Not everybody is grown up enough to realize what you are saying is the truth. ❤👍🏼😊
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  151. You are completely correct. We bought a front loader washer back in 2005. Spent over $1000 for it. It broke after just two years. The repair guy told us to replace it as the parts were more than a new one. I immediately bought the most generic top loader. Best $50 I ever spent. That one lasted more than 10 years. I always buy a model or two older. Never the newest. You are very wise. Love your videos.
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  152. I am terrified at not having enough money to survive. That motivates me to save money and life is very good for me financially-:)
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  153. Your message on minimalism is informative and inspiring. And I am glad you differentiate between minimalism and just being cheap and frugal and depriving yourself. Intentionality is such a great word and reminder to what is truly important. Live your best life!
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  154. I discovered Mint through this channel and switched last week. And let me tell ya, it really was the easiest switch I've ever done (both decision-wise and process-wise) and I cut my phone bill by 70%! Everyone in the US should do this, and hopefully they'll expand to Canada one day so you can too. Keep on making brilliant content! Also, happy birthday!! 🎉
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  155. I’m 41 now. I’d tell my 20 year old self - you can do hard things. You’re a survivor! You don’t need to rely on anyone, but it’s ok to accept help.
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  156. "Pessimism disguised as practicality is poison to your motivation" - damn, that IS a good one!
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  157. Your channel deserves a million subscribers! Awesome content, I've been watching for awhile but rarely comment
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  158. I actually enjoy this daily vlog type content and love real "what I spend in a week" content (rather than lifestyles I don't relate to). I'm also in Canada and I love watching regular vlogs from a few people around the world (or other parts of Canada) just to see different grocery prices / bills. I find it interesting even just to learn the groceries/meals people regularly shop for and see how they differ from me. I'd love more videos like this! When I hit a quarter of a tank, I feel the need to buy gas!!
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  159. Self-discipline = self-care. Another great video!
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  160. Your videos are genuinely so helpful. Both financially and philosophically.
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  161. I ditched Amazon several years ago and I can honestly say, I have not missed it for one minute.
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  162. I’m obsessed with your content. Ever since your video of why you are living frugal was recommended to me a few days ago, I’ve been watching some more content of yours and immediately subscribed to your channel. You have no idea how much of your tips, way of living and habits are helping me right now (been feeling a little lost lately). This gives me so much motivation. Thank you 🤍 Keep doing what you’re doing and much love from Germany 🇩🇪
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  163. Levi is so good in the bathtub! He looks so calm!
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  164. You should expand on this, there are so many junky money grabs out there. I'm surprised you didn't mention Internet providers. Basically, anything that is constantly promoted and advertised is guaranteed to be a cash cow for its owners. Read your receipts! College degrees occupy a special place in money burning hell. Part of what has happened is high school has been so dumbed down that having a high school diploma is no guarantee of fitness for an entry level job. Many employers use a college degree, doesn't matter what degree, as a basic barometer indicating that an entry level candidate can be trained to become an asset for the company.
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  165. OK thank you I needed to hear Work is not my whole life. I’ve actually got a new job at the job I’ve been in I took because it’s work from home. I’m in the medical field and dealing with nasty patients and micromanaged boss telling me I’m not good enough has really gotten to me to the point of like a nervous break down. I really need to read that book and keep repeating work is not life work is not life thank you.❤❤❤
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  166. I worked at valu village for 6 weeks. Most disgusting job ever. Items are hung up right out of bags they are donated in. This stuff is not washed as some people believe!! The gross or unsellable clothing are packed up and shipped to third world countries, this is absolutely not helping them. You can watch videos on how their shores are piled high with this garage from richer countries trying to cheap out on getting rid of it. Definitely big scam. Thanks Nicole for another eye opening , educating video.
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  167. Dude. You have to have a channel that is just your dog chomping on stuff!😂 The scarfing of the dog food was funny and the crunchy pepper made me lol. BTW, his dog food looked pretty posh!
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  168. Whenever I'm buying a car and they ask about buying a warranty, I always act scared and say, "Is this car a lemon? Is it going to break on me? Are you trying to sell me a bad car?....maybe I should rethink this!" As I stand up and feign leaving.
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  169. And, above all, just try and remember that Lisa needs braces.
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  170. My husband bought me a Ninja coffee machine that makes lattes and iced coffees a few years ago. It was about $200, and I thought it was crazy to spend that much. I had a cheap $10 coffee maker before that which I used daily, but would go out to get lattes and iced coffees. Fast forward to today. I haven't set foot in a Starbucks, or the like, since. I used to stop to pick up specialty coffees on the way to visit a friend in the nursing home. Then I started making them at home, putting them in reusable coffee mugs and bringing them with me. I also have a friend of mine over for coffee and can make her whatever she wants. It has saved so much money and I LOVE this thing!
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  171. Looking forward to an update video in a few months to see how it's going
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  172. OMG. You saved the day. Our garbage disposal has not worked for 4 days. My husband “checked everything”. You reminded me to go to YouTube. I had done this once before for the dishwasher and was successful however totally forgot about it as a resource. I dreaded calling the plumber. Voila, your weekly YouTube saved the day. I am so proud of myself. Thank you Ms. Nicole.
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  173. I was the “perfect” daughter, student, worker, etc my whole life, until one day, at the age of 45 😱 I realized that I will only live once and that one life I was living was very fast coming to an end. Then, I decided to say YES to all and any adventurous offer I received that year, so I had my first tatoo, I smoked pot, I paid for a mammal reduction that changed my body to the best I had have in years, I traveled, I kissed every men that wanted to kiss me, I learned to paint and had a a lot of fun. For the first time in 45 years I allowed me to start living without double checking my decisions and regretting about doing things that I considered as irresponsibilities before. Happy birthday Nicole!! I am so happy you had this realization when you are so young. Now Im 50 and living my best life. Im still a hard worker, a good person and a responsible woman, but now I allow myself to feel free and happy every day. Equilibrium is the word I was missing in my vocabulary. Hope you find it and feel better soon!! ❤
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  174. I do wish I had lived on my own longer before getting married. I’m teaching my daughter to take it slow and not be in a hurry. Life is short but I hope she takes time to explore the world before settling down.
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  175. Nicole, you are about to blow up on YouTube! I feel it! We love your videos! You are going to explode in growth in 2023 :)
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  176. Yep! I 100% agree with you. Doing this was so much better for my mental and emotional health. Especially having to deal with such toxic behaviour from various work colleagues. Daily victimization, harassment finally took it's toll on me.
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  177. Millennial here.. and I remember the days of Blockbuster! You are so right.. we are just chasing for more and more and more because we arent living life with intention anymore, we're just living for INSTANT gratification- so all the "little things" (which are really the big things) just aren't as exciting anymore. I really enjoy your videos, they really inspire me to think deeper.
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  178. As a Sales Manager for a Toyota dealership, I love this video. I am debt free because of people wanting to be in debt buying vehicles all the time. That Rav4 you have will last another 10 years easy. One point is to remember that all cars are not built the same and to have the lowest cost of ownership long term, reliability is key... there is lots of 3rd party sources for this, but Honda and Toyota are your best options for long term ownership without expensive repair costs
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  179. So I watched this video yesterday. Today when I went to work, and the girl that usually annoys the hell out of me started her bullshit, I kept reminding myself that it didn’t matter this wasn’t my real life and it would end the minute I punched out to go home. And I actually had a good day. I stayed in my lane and she could drive in whatever friggin lane she wanted to. Thanks Nicole!!!
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  180. Nicole you are hilarious, I agree that children are a waste of money😂. Having a dog is so expensive but entirely worth the unconditional love. 🐕🐾
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  181. Before I buy anything for the house I evaluate if I have something I can use without buying something new. I’m doing much better not impulsive buying because of it. I’m learning to make due with what I already have. It’s very refreshing and saves my wallet.
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  182. I’ve literally wasted hundreds of thousands of dollars over my life trying to please people who don’t care about me. Never again
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  183. Congratulations on going on your full Year love your videos..
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  184. Needed side gigs after a divorce to keep my house. Did that for over 5 years. Then just this summer had the brainwave to trade in the job that I love and all my side gigs for a job that I probably won’t love but won’t need side gigs. Made the change and now have one job and time for my favorite hobby. Miss the job I loved but this is more sustainable.
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  185. Hi! I also consider myself a minimalist. I get rid of material clutter when I've already gotten rid of "mental clutter" and so my mind is at peace and the process is easier. It's not about throwing stuff away just to be able to say i'm a minimalist or frugal, it's about making a good use out of stuff and then letting those things go. I usually throw out the damaged items and sell pretty much the rest. I also don't expect to "earn" money with those items rather make space, give them a second chance by giving them to another person and getting back a tiny bit of money along the way! :) Interesting videos, thank you for your work ^^
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  186. Thank you for this! It has been amazing watching you blow up. Your content is very soothing to my soul. Congratulations on all your success and I look forward to your content in the future 😀
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  187. Levi loves you home too. He’s such a sweet boy
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  188. I bought my 1st house in 94 and it costs 110G I put 10G down and paid it off in 8 years! It seems impossible for young people today but I think if you really apply yourself you can do it! Great Video Nicole!
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  189. This video is brilliant. They are selling us addiction - right on point.
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  190. Dude, I'm 100% with you on this. I just told my boss 4 days ago that I was there because the company paid me. He was going off on a rant about "The Company" and our place in the Company and how grateful he is to be a manager and then he asked me, "You've been working here almost two years. You've got management experience. Why don't you try to move up?" That set me off on a tirade about how if I wanted to be a manager I'd be one, and how "The Company" is as important to me as what someone I don't know had for breakfast. They pay me to be there, so I'm there and I do the EXACT amount I have to to continue getting paid to be there, but if someone or something better came along I'd be out the door so fast it would leave fire trails like the DeLorean in Back to the Future. He stared at me in utter shock for a minute and then just went into his office.
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  191. A lot of people are saying "nature" as a third place, but that is just as isolating. The point is the lack of human contact and interaction. Another problem is that work has become less collaborative. For ex, I was watching an interview w Alfred Hitchcock, and he was talking about how they created the sets, etc. on his films. Today all that would be CGI, instead of people working with their hands as a team all together.
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  192. Nicole, not to be corny but! You have inspired me to actually make changes in my life more than any other person on this platform. I love how practical your advice is. You just make it seem so doable. Love your whole approach to things and the vibes??? Immaculate ✨
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  193. The outbox is a great idea!
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  194. I wish I knew what you know when I was in my 20's. Or 30's. I love how you break it down to small goals like "if I can save $1000, I can save $2000...etc" Or if I can save $100, I can save $200. Thank you for making these videos!
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  195. "We are not even close to done yet". Sadly, that is true. Everyday a world full of people wake up and say "how can I get more money and do even less to earn it". As for corporate culture, yup. I've spent a career as a software developer. And you repeatedly see the same pattern, young company has good ideas and treats people well and work is a blast because you have autonomy. Then the company grows and either gets bought by a corp or becomes a corp and things go downhill. That's a signal it's time to find another young company and start the cycle over. On my 4th and final cycle now. Company is starting to fossilize but I don't care because I'm a few months away from retirement.
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  196. Oh my GOD do I resonate with the alarm clock anxiety. I've spent years waking up to a rigorous academic schedule for my undergrad + grad school years; constantly thinking I slept in for an exam or skipping important deadlines by mistake. As a result, I'd always put 5-10 of those alarms on my phone to wake up up properly, and I'd always bolt upright in the morning in a panic a few moments before the sound went off. I lived that way for years. And then I bought one of those light alarms and I actually slept properly. I can VIVIDLY remember waking up naturally to the artificial light one morning and almost crying in my bed b/c I felt no anxiety and actually well rested. For those who've never experienced this product, PLEASE BUY ONE
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  197. it's really a shame that society almost forbids you to openly discuss how many children you can afford. not to mention that when the parents have more children, they have to work harder, leaving less time for each individual child and often ending up not having a deep connection with them. there is a big connection between money and the time you can spend with your children. it is certainly not fulfilling when you wake up at 50 and realize that your 4 children are not interested in you because they hardly spent any time with you, while you would have had a loving family life with 2 children.
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  198. I always try to study and understand humans and figure out the insane and dumb things they do and why? But one of the most important things is to find your tribe! People that you have so much in common with and get a long with! Some of my childhood friends today are full of hate, racism and homophobia etc. I used to think they were normal! You Nicole are part of my tribe! And we're all so happy you add these great videos every Sunday : )
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  199. Friends don't let friends in MLMs lol
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  200. Nicole, you owe me one coffee! When you said “some dipsh*t in an overpriced suit” I spit my coffee out ‘cause I was laughing so hard. Thanks for being real.
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  201. This is one of my favorite channels. I look forward to your videos every week. Thank you very much! Good job!
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  202. I had Amazon prime for the last three years. I have way too much junk now. I did get rid of it and I do still order from Amazon but I just save it up till I get free shipping so I can get more junk. My latest junk will be here Thursday.
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  203. I have a huge yard and I'm introverted gardener. My 1st and 3rd place are the same and I love my life as it is❤😅
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  204. I put a spin on ‘how many hours do I have to work’… I actually have dissected my expenses (fixed, variable average rounded high, savings, investments, etc.) to how much everything “costs” per day. So, not only knowing how much I have to work to buy something, I also know how much I have to work to cover my cost to live. It’s a very sobering, eye-opening perspective on personal finances.
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  205. Hi, I’m a Boomer from the PNW (🇨🇦). I’m a high school sewing teacher, and am also WFPB and, like you, I spend a lot of time at home. I live with my partner in the northern wilderness and we have a simple life. Although we are not minimalists, we are conscious consumers and are very money-aware and planet-conscious. I stumbled across your channel recently and have been binge watching your vids and loving them. I love the Canadian content and your intelligent perspective. I think the main take-away that I get from your videos is the concept of making priorities and being extremely mindful of one’s spending habits. In today’s video you asked what we spend our money on? Well, everyone is different and we all have unique hobbies and life interests. Because I have had 6 orthopaedic surgeries on my body, I am no longer a PE teacher and my days as an athlete and coach are behind me. That said, my three main hobbies are plant-based cooking and baking from scratch, wild swimming (the lake is near my house, it is free, and much more healthy to swim in than a pool), AND… skill toys. Yes, you read that correctly… skill toys which, for me, predominantly include yoyo and kendama, as well as knuckle bones and begleri. YoWzA… as with most hobbies, one has to be careful to purchase items that will fuel their passion and advance their skill set, and not get caught up in the mindset of “building a collection”. Thanks for asking about this. Tbh, most people are completely shocked to hear of a middle-aged woman who plays with skill toys but that’s my passion!! Additionally, skill toys align with my values since they build skills, and are affordable, portable, not reliant on tech or batteries, and they are a great way to interact with others who are curious. Lastly, I was stoked when I watched one of your recent videos where you mentioned you were into Lego!! I friggin’ love that! Have a great Long Weekend and thanks for making these thought provoking videos. Ⓜaryo🪀
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  206. That designer bag is genius. What if they just reuse returns by cutting out the parts of the bag that were damaged by a customer.😂
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  207. I'm very impressed by the productivity of your 20s. I learnt all that in my 30s and 40s... The big thing I learnt you didn't mention is that only "here and now" exist. Nostalgia and plans for the future can be nice moments too, but ultimately, the only thing you experience is here and now. And regarding Imposter Syndrome : if you keep on faking long enough, it eventually disappears.
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  208. My bestie showing me smart watch “I had a horrible sleep last night. Look at how much I tossed and turned” Me “you need a watch to tell you that? Waking up and feeling like crap isn’t a good indicator?” Yes, we’re becoming dumb.
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  209. Your videos always feel like a conversation with a good friend—relatable, practical, and full of personality! ☺ I love your genuinely helpful advice. 🙏🏻 The way you explain things, like the logic behind matching socks, makes everything feel so approachable. Thanks for sharing your insights—you’ve made me rethink some of my everyday purchases in the best way! ❤
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  210. EPIC!! This has given me a better, more precise knowledge of minimalism! You are so spot on. Thank you ❤️
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  211. Great message Nicole. It's definitely a good tip about Amazon Prime! Most of us really DON'T need it. Also really enjoying the b-roll in this video 😍
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  212. Great video Nicole! Just a slight clarification at 12:10 although Vanguard, Blackrock, StateStreet may technically be the largest shareholders of these public companies, they are managing money for investors so they don't technically own that % (the shareholders do). When we buy a passive S&P 500 index like Vanguard's VOO that includes companies like Pepsi and Coca Cola, but that's still our money not Vanguards.
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  213. Nicole, I’m really enjoying your channel. Being a long time Simpsons and South Park fan, LOVE the little “inserts!” I’ve always been single and the first half of my career I didn’t make much money so I made myself adhere to a strict budget. I really had no choice. I’m now retired and because of my budgeting and “frugalish” lifestyle over the years I don’t live by a budget because I don’t really have to. The frugality never really went away for me, but my home has been paid off for several years and I bought a second vacation home in the mountains (a dream of mine) 12 years ago. Both homes are now worth 3 times what I’ve paid for them. You’re very financially wise and I’m sure your channel is helping many “figure it out.” ✌🏻💕
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  214. Caring about things that I can't control. I struggle with this
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  215. I asked you about your mbti because I had a feeling you were an intj (I am one too) and the responses you give in your videos are strangely alike to how I feel. I also feel the same way about kids. I’m too selfish with my time and love sleep to have any lol. Thank you for answering my questions!
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  216. You're right, I've been watching financial channels almost 4 years now. By now I think I've heard it all, I am listening and watching to all these financial channels all day long m every single day because it keeps me frugal and keep me stay on my target to my goals. Now I am crazy of saving, before this I spend more than I make. Before no saving, not investing and living paycheck to paycheck. Now my life has changed completely due to all these financial channels. Thank you YouTube and YouTubers.
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  217. Congrats, Nicole! Your videos are informative, thought--provoking, and entertaining. It is great to see your channel doing so well!
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  218. “We ran out of floor boards so we painted the dirt “ 😂One of my favorite Simpsons memes so far.
    29
  219. Thanks again! I love your authenticity and honesty.
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  220. Anyone else drive a real beater here? I bought a 1992 Toyota Tercel in2013 for $800! I’m still driving it to this day!
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  221. I've been cutting my own hair for the past 20+ years...I've had my fair share of jacked up haircuts 🤣It's fun! I used to have some fake plants, but I started getting into real plants in 2020... now I'm basically living in a jungle. I water propagate them so I'm just constantly creating new plants that I can give away as gifts. I looked into pet insurance as well, and it definitely wasn't worth it for us. I read that fabric softener is really bad for washing machines as well 🤷
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  222. I think the friction of cash is good for people other than you. It is a good starting point to revise the way someone thinks about their spending. Appreciate you taking a look at it and being super transparent.
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  223. I got so deep in debt with these services. I finally got away from them. Thank you for spreading awareness!
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  224. While I absolutely understand feeling offended by the neighbor's (rude) question, I would take it as a compliment overall. When I was 20 and in college I bought a clean, older mobile home and lived there until a couple years post-college. It was way cheaper than renting an apartment. I remember carpooling to a work event with a coworker in her 30s and she was like "oh do you live with your parents?" - she thought it was so weird I owned this trailer, by myself, as a college student. Until then I'd felt pretty embarrassed that I lived there instead of an apartment like "normal" peers. But when I sold that mobile home, I had a couple grand to put toward my first house and in the early 00s that was definitely nice to have.
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  225. Amazon is turning into Temu
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  226. So true about the salary thing! I got a promotion a few years ago and they made me go from hourly to salary! I never brought home what I used to when hourly!!! Thank God I'm no longer working at that place!!! Great video again Nicole!!! And when I see organic stuff for sale I just laugh and get the regular stuff!
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  227. I just love you, Nicole!
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  228. You are a strong, talented, and kind person, Nicole. We all go through massive challenges...I'm going through something right now and this helped me. Thank you for being open and sharing this.
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  229. 100% relatable Nicole...here's my tip i just recently found out works for myself. With everthing i end up beating myself up for i ask myself: is it worse then losing my dear ones or my beloved animals?. The answer is always ; NO! then move on and let it go. Sounds so simple but it works for me.. (Sorry for the bad English, i'm dutch) btw i'm 48 years old now and getting older also made a huge difference so there is still hope!
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  230. LOL, IPhone radiation and birth control and I'm just 22 seconds into the video. You have a way with words, Nicole, lol.
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  231. This is a comment in general about your YouTube posts I am probably your granny’s age , and from another country , but I hugely appreciate your quirky sense of thinking , of confidence , of brashness but also a sense of propriety ….!! I wish we think with clarity when we are young and save ourselves a lot undeserved heartache … Wish my head was as clear and that I lived solo … Hope there are others who get to sort their lives by tweaking these guidelines to suit themselves Enjoy your life , gal , you are special ..💐
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  232. Just an added note about your sponsor, Mint mobile is actually very good. I was using the walmart service because it was the cheapest i could find. Until Mint came on the scene. Literally $15 a month in USA per month. Bonkers. Has great coverage because it rents service from all various tower brands. You can just use your current phone, easy. The swap is easy as well. Never had to talk to customer service even once. In this day in age, $15 for cell is practically free.
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  233. Thanks Nicole. I would like to see more on this topic.
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  234. I've been trying to tell people that we should have free public colleges because our labor generates tons of revenue for employers and associated taxes for gov which would pay of the free college many times over. Also it would strengthen our national security with an educated population
    27
  235. Do you remember Hallmark's comic 'Maxine' and her dog? My favorite is when she opened a gift and said, Great, another piece of shit I have to drag out when you come over.' ❤
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  236. Boring is a sign of success ! I love that! I'll write that down on my words of wisdom notes : ) Great Video Nicole!!!
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  237. I think your house is beautiful!
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  238. Tax consultant here, It never ceases to amaze me that people turn down overtime because of the additional taxes. When I sit down with my clients I usually get a little smart-alick-y and say “give me the extra 5,000 and I’ll gladly pay the taxes on it” 🤣 Anyway, one quick tip to reverse the taxes payable on additional income would be to take the exact amount extra you’ve earned and throw it in an RRSP. Then you recoup every dime you paid in taxes on that money and it comes back to you in the form of a tax refund.
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  239. I agree with all 5 of your points, Nicole. 🙌🏼
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  240. Love this. It made me put down my phone, close my laptop, and watch you from beginning to end on the tv while I enjoyed a full cup of coffee. ☕
    26
  241. I share a ton of these, Nicole! Easily 3/4 of the list. My only big differences are stuff like makeup, nail polish, etc. But I'm frugal even with those and choose to buy higher end stuff less often than just a ton of products and everything new on the market. Something I have noticed about a lot of the items on your list is how little happiness they seem to bring to those who buy them all. I do have friends who really seem to love watching shows and movies on Netflix and I say good for them, even though I don't feel the need for any of that. But the people who eat fast food and coffee out every single day never seem like they even like it that much. I don't understand spending money that way. I also think it is underrated doing things for yourself, whether cleaning house or pickup up groceries and takeout yourself. I also see so the use of so many of these services as absolute laziness and to be reserved for special situations like people with disabilities or when your car is in the shop but it's your birthday and you're craving a treat - special situations, not a random Tuesday. I know a lot of people who switched over to having everything delivered or picking up curbside and I just don't get it. I am old school and even consider that a form of exercise, albeit very mild exercise. I would always rather pick up my own stuff than pay for delivery unless something huge that won't fit in my car - like a fridge or sofa.
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  242. You're one of 3 YouTubers I enjoy watching on Sundays :)
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  243. Relatively new follower and I love your honesty and rationale on tipping. In many countries tipping is unusual and is only done if you have a huge party of people or the waitperson did something special. Our Australian friends make fun of us and once commented when we passed a statue with its hand facing out… “ go ahead and be a good American. Leave him some money too!” Obviously he was joking about tipping in the US. It is TOTALLY out of hand!
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  244. You blew my mind with this video. Always suspected this stuff was going on, but the way you laid it out was superb.
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  245. This was honestly way better than money saving tips videos from big finance channels. Thank you!
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  246. I've had 2 male friends in the past that were the best friends I ever had but they got the feels and the friendship went to hell.
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  247. Power washing is one of my favorites on this list. I've gotten quotes for $350+ to have my house washed, so I just do it myself! Great video...there's a lot of money to be made out there! 🤑
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  248. Right and remember folks corporations are ruthless leaches, except for the upper management, When working hard and giving 110% effort, they will want 200% and it never ends, so Never ever give them your full knowledge and effort. Also HR is not your friends, They have to ensure the company's best interest above all. Not very many cushy jobs remain, except for Government jobs, and even @ the Gvrmnt level you see the most incompetent ppl on top. It's who you know, especially in Canada! I gave up on those mega-corps long time ago and doing my own thing now. A good side-hustle and smart investments will get you further, quicker and in relative peace. It may mean hard work, but you will manage your own time and most importantly you can avoid the A-holes with ease. Nothing worst than going to work every morning to a place where there is a lot of resentment, tension and favoritism. Companies will want you whenever it's convenient for them or their consumers and care lill about your personal availability. Remember the time you spend at work, making someone else rich is time you will never get back, ever! Just my 2 cents, Thanks Nicole
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  249. Love your wisdom. I in my late 40’s now and finally feel like I’m getting it together. My thoughts and views have changed dramatically since I was 20. All my regrets are life lessons and I wouldn’t be where I am without them. I now embrace Al those regrets. Can’t wait to see your kitchen 😊
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  250. A home is not an investment. It offers a family and community stability and pride of ownership. A landlord is free to evict at any time with a month or two of notice.
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  251. Your content is gold Nicole! You should have at least a million subscribers!
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  252. I paid off my home earlier this year and while I wouldn't say I was struggling before, the freedom to save more, splurge more felt really, really nice. I don't have to worry about the prices going up on everything, because I have freed up more than enough in my budget to be able to cover it. Same goes for the upcoming neighbourhood renovations (refurbishing all the balchonies), I know people who are stressing about the hike in costs and I don't have to worry about it. I wholly agree with you that money does buy happiness for most people. Sure, diminishing returns is a thing, and of course wild wealth can also create issues, especially negatively affect social relationships. But for the majority of us, an increase of money is going to positively affect our lives.
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  253. Thanks Nicole. Looks like Levi approves of the new couch. Hope he's been feeling okay.
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  254. Long walks saved my mental health. I like a colorful wardrobe and home decor, but a palette definitely reduces expensive mistakes.
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  255. I look forward to seeing more of your journey and goals. Great update. 😊
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  256. Ooof, the realness. I'm so impressed at how honest you are able to be, with yourself and us, about what's happened. I agree that even you, like me, are vulnerable to the thinking that "if only I have ___, THEN I'll be content." Your old place wasn't perfect, and neither is your new one. I hope you'll be able to find some peace there and, if you don't, I'm glad you remember you can always sell once things heat up again.
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  257. I love how honest you are. In my job (I work at a rehab) we have a concept called radical acceptance. You really seem to understand this concept.
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  258. Coffee and Nicole on a Sunday morning 🎉
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  259. So excited to see you reached 1000 subscribers. You actually tripled it. Congrats!! Every week I love your thoughts. It’s taking me many years to care less about what people think of me. I’m still a work in progress.
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  260. Omg this is so refreshing to hear from a frugal channel! Thanks for being real (and very sorry for your breakdown which I would be interested in how you came back from it) and proving we can make stupid decisions but get back on track with our goals. That’s real life. Also, there’s an awesome old song by an Australian musician Paul Kelly “Dumb Things” which could be my anthem but we learn deeply about ourselves when we work through issues and course correct. Keep your awesome content coming 😊
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  261. Apparently, graduate engineers are also struggling to find jobs. The entry level salaries, considering the amount of hard work we put in, are atrocious!
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  262. Really love this kind of content from you. I also love how you are a “just get it done “ type of chick. Rock on!
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  263. I would tell my 20 year old elf to put myself first and develop healthy life habits such as regular exercise and healthy eating. I would also tell my 20 year old self not to take relationships seriously till 30 and not be upset over them. The most important thing is to be in a good place mentally so that you can make better decisions in every aspect of life.
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  264. You hit another one out of the park Nicole. I am content to say I AM one of the exceptions. I have never bought anything on line, never used Amazon, I do not do internet banking and have never had anything delivered to my house (with the exception of wood and tin for my roof) I still for the most part, 90% of the time, use cash when I go to buy groceries, gas or the occassional outing for a beer. I do however pay to much for internet and cell phone so I will look into Mint Mobile. Thanks again.
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  265. I’m 47. I feel like 17. But When I hit 30 I thought I was finally a grown up. I had my daughter at 29. Now that she is 18 I’m ready to start my life all over. I love watching you because you are doing things I wish I had done. I thought I had to be married and have a family from my childhood programming. I want my daughter to go out and enjoy her next 20 years figuring out who she really is. Having lots of adventures and not tying herself down with all these responsibilities. I’m still figuring out what I want to do when I grow up. 😆. When will we get a new house tour?
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  266. I love your videos! Each and every one inspires me to live minimally. Thank you.
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  267. Great video Nicole; the depth to which you’ve analyzed the concept of finding balance is impressive. Your content would be so valuable to middle and high school aged kids. If I had any in my orbit I’d send them the link to your channel. Well thought out with real world examples that so many could relate to. I look forward to your next video - you’re wise beyond your years.
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  268. I think with age things do change a bit. Guys are still largely the same with their friends, but they have also learned (the hard way) that their female friends are not necessarily romantic or sexual potentials. This doesn't change the fact that they might still harbor "feelings", but they are perhaps more cautious about acting on them. This is not true in all cases, of course. But I do think it is a problem that men fall into thinking that an open friendly environment means that probably something more than friendship is happening and will begin to put out feelers, which can be uncomfortable. Also, I think that, particularly men in long term relationships that are not as exciting as a new relationship, will turn to other women for understanding...like we all need from friends. And it becomes so confusing because suddenly his partner feels less and less like his "best" friend to him, and the new female begins to take that place in his head. Boundaries get blurred and friendship feelings become conflated with romantic feelings. I mean, in toxic masculinity in the deepest sense guys who DO hug their guy friends might be called the dreaded "gay", which is obviously conflating friendly affection with sexual desire. And I agree with you that, contrary to the popular narrative, this hurts men as much, or sometimes more, than it does women. We at least can get emotional support when our worlds are confusing.
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  269. Agree, I hate that phrase too. "Money can't buy you happiness". Then give it all to me LOL 😂
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  270. You need to major in something that provides marketable skills. Computer science, nursing, and engineering
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  271. I love the revolving shopping list ❤ I am using this. Thank you 😊
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  272. I was the kid knocking on doors with a lawnmower, shovel, whatever. Paper routes and fixing peoples computers.... man i used to hustle, wtf happend
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  273. Thanks for uploading these every Sunday. That’s how I usually start my Sunday, watching your video.
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  274. More important than all the self help books combined is social support. Want to get healthier? Get you and some friends to go to the gym together every day, or ask your friend who knows how to make great tasting meals for some recipes, or text a friend you trust when you feel frustrated etc. everything is easier when you realize you don’t have to do everything alone. You might need to take the actual actions, but we all are going through similar things and all get huge boosts just by the support and love.
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  275. This video singlehandedly made me call my insurance and adjust my rate. You saved me a lot of money thank you Nicole!
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  276. Spoke about CORPORATE GREED....automatically HIT THE LIKE BUTTON! THANKS SISTER for speaking about it!
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  277. "Financing a f🍕cking pizza" 😂😂😂 Thanks for taking the time to not only inform us, but to entertain us as well! I use to do layaway years ago, before I built up credit. Gone are the good ol' days.
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  278. I 100% agree with you about the big grocery stores in Canada and not wanting to give them any more money than necessary. I lost my dog last year and want to get another one.Thanks for the tip about meds for dogs.I will remember that when I do get a dog.
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  279. The biggest thing for me is the freedom and creative flexibility. I work in research (science), and while I love my job, have trained/studied for years to obtain the degrees and qualifications to do said job, I would take a successful Youtube channel over it. There's something to be said about doing things at your own pace and at your own free will that's better than any sort of corporate/"official" job setting, and no amount of money or job security can change that.
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  280. As someone who sells phones for a living (currently), I 100% agree, and it's ALWAYS more of the same. Lol. You pay for a logo, and it's hilarious. Keep up the great work, Nicole. I always enjoy watching your videos and your point of view is spot on, IMO.
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  281. Thank you so much, Nicole! 🙌Please make more of these videos about scams! They are very informative and eye opening 💪Your hard work is greatly appreciated 🌺
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  282. Standing in line for a new album was a great memory! Thank you for all that you do!
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  283. Comrade Nicole telling nothing but the truth
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  284. I switched to Mint! I’m paid up to November. My stress level just went down significantly knowing that I’m saving money and paying in advance!!! 🙂
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  285. I hit my $10k savings goal a couple of months ago, and let me say it’s the most liberating thing I’ve done so far (after paying off thousands of consumer debt as well). I also gameify it and recently when I’ve been falling off my game and thinking about buying unnecessary things again, I told myself “why not continue adding more to the emergency funds, WHILE investing as well?”
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  286. I love Mint Mobile! Got rid of Consumer Cellular a couple of years ago and switched to MM and they're such a great deal. Totally agree about the bank fees...but shop around because not every bank charges for the same types of transactions and many don't have fees for ATM usage, etc. Credit cards absolutely should be paid off in full right away...sometimes I charge things for the points and cash back but only if I know I can pay it off right away.
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  287. Your not wrong at the end when talking about security, I cant tell you how great of a feeling it is when you have even just $2000 in savings and how much it sucks when you have nothing in savings.
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  288. I have a feeling that you are about to become a YouTube sensation and will reach your goal of financial independence before you think. I like you, you are authentic and rare.
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  289. Grocery store ! Same!! "rub and tug" - HA! I almost spit out my coffee at that line.
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  290. the fact that canned Tuna is gross is what is the problem, not Millennials.
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  291. I recently upgraded my iPhone 8 to an SE (yes it’s old but newer to me) and got it on eBay refurbished in excellent condition for $180 because no way in hell am I spending $800-$1k on a goddamn phone.
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  292. I'm so glad I found this YouTube channel, she's fantastic 🙌, says everything I'm think, and the fur baby is adorable 😍 ❤ very excellent advice!❤
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  293. I’m 38 and exhausted from being an adult and parent. If life was up to me I would travel, sleep, and eat 😁
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  294. Very interesting video. I will confess I have been a little curious about your business, but I totally respect your desire for your own and your clients" privacy. Still looking forward to seeing your new house!
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  295. Love it. So smart! Exactly what my mom taught me. ☺️You have good morals as well!
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  296. Single is not a financial advantage. No kids is though
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  297. As someone who looks like they have this "hustle culture" down pat from the outside, man, I was not okay on the inside. I only recently started to downscale everything because shit was getting overwhelming. I was drawn into this idea of constantly working and making money, because if my friends all did it, why can't I? Plus, I came from 2 immigrant parents who didn't understand the idea of a "day off" because back in their day, a 16 hour shift is just normal. But that shit ain't normal man.
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  298. Two things to add to the debate: firstly, other folks seem to find it very hard to understand that I need nothing but their company. I just need a simple life. I accept their gifts because I have discovered that it destresses them if I try to refuse. Secondly although I was never one to buy as much as my contemporaries (I'm 63) after 6 years I'm still decluttering stuff u no longer use. In particular things that enabled me to fit in with different groups of folks (egg floaty hippy skirts ) . Nowadays, if they can't accept me in jeans and a t shirt, I regard that as their problem. Thank you for another really thought provoking video.
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  299. Really enjoyed your breakdown. I love budgeting myself and am always fascinated by other’s budgets. I wish there wasn’t such a stigma attached to talking about money. I live in Ottawa and your expenses seem pretty normal to me. Would love to see this as a monthly feature!
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  300. i would have liked to have known earlier how much your direct surroundings shape you. i come from a big poor family, with simple jobs where the mothers stayed at home because they didn't have a work ethic. For far too long I thought I was destined for the same fate. it was really hard for me to find people who thought differently and had different experiences in life. another point is that i liked to understand earlier that nothing is forever. for example the first exhausting weeks at a new job, during which i cried every day. or the shock of losing a job again. everything passes and quickly becomes irrelevant. there are always new opportunities as long as you learn from your mistakes and admit them.
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  301. This is the most important video I've seen in a long time. This is so spot on! This happened to me with my yoga studio. After 15 years of entrepreneurship, I no longer want anything to do with yoga, even though I have to pay the bills. Yoga is also a lifestyle from which you derive your identity. But I'm not that, i am not a "yogi". And I also found myself in a crisis. That lasted for years. Because I had imposed on myself that I should still have yoga as a passion. Indeed, I always felt guilty and thought I wasn't good enough. A job is just a job and now I run my yoga studio because I depend on it. In my spare time I want to do completely different things. I'm still looking for things that make me happy. I hardly know what makes me happy anymore, but it's certainly not yoga. Business is business. And a hobby, lifestyle or passion is something that makes you happy. And make a separation between the two. With this video you have explained what has been bothering me in recent years. You made it so clear that it feels like a huge insight to me. All guilt and shame falls away. Thank you for this life changer.
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  302. Followed you since you were under 100 subscribers. Well done and well deserved. The time taken to make all these makes it look very differently. Loving the way you put things and reframe frugal issues! As times get harder more people will need your input. Thank you!
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  303. Great content 👍. A few things I can think of off the top of my head that affect my mood are: - Making my bed - Stretching - Wearing clothes I actually like to wear (I used to wear "raggedy" clothes around the house, then realized it was affecting my mood in a bad way). - My diet (when I eat low carb, my mood is best). - Getting out everyday. Especially going for a drive when I'm desperately needing some relaxing alone time. I usually like to go when the sun is setting, listening to instrumental jazz... I'm in heaven. Tfs.
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  304. Normal sucks and I loved your analogy 😂
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  305. Its kind of like music royalties, they trickle in slowly over time. The average musician doesn't get rich from royalties, but if you build up a catalog of songs you will get a passive income rolling in. It doesn't have the same low barrier of entry that the example you showed has, but it is accessible to anyone who makes an effort.
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  306. After reading Atomic Habits, I had to take a good look at my home layout/schedule. If I could locate my "everyday items" in an easy to access area, and weekly items in a reachable area, and occasional items stored further away that'll require a bit more effort to access (but still accessible), then that's great. What also stood out to me is applying Habit Stacking. Habit Stacking: Backyard Garden (Hobby) = Do some Cardio and get Vitamin D = be creative and combine resulting fruit/vegetables with near expiring products from groceries (for example, apple/celery with peanut butter) = healthier meals/snacks and better understanding of what I eat or not eat = cut back on buying junk and feeling less guilty for having to manage junk.
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  307. My fav part was when Levi was activating his power saving mode! Even he is practicing saving! 🐾
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  308. i have done exactly the same mistake. cried over the place i chose to leave behind and ended up with a place i bought but hated. everything went wrong with it…i still have the builder here now but 4 months later, totally changed the floors, paint, outside and suddenly it’s become mine. and suddenly i love it. but it’s taken 4 months of grief over the mistake i thought i’d made …but i hadn’t made a mistake… i just couldn’t cope with the change and living in what felt like someone else’s environment
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  309. You’re so right this world we live in will make us feel like we’re never good enough. We have to take the control back and realize ultimately nothing we do matters at the end of life so we can choose to worry less. I’ve been trying so hard about a situation in my life and now I’m starting to question “why” just say f**k it
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  310. Regarding wearable tech, i totally agree. I bought a Fitbit watch 4 years ago. It’s a ridiculous source of mild anxiety. I feel lament when my steps for the day are low. I’m always aware when I might be losing steps on the counter, like if I’m using that hand to push the shopping cart. When it’s cold outside and I’m walking the dog, I literally don’t put my hand in my pocket, because then I’m “losing steps”. I have to remember to put it back on the charger every other day. I have a mental debate each night about taking it off before I go to sleep, because it’s more comfortable, but then I’m losing my sleep data. It’s ridiculous. It’s insane. I can’t wait for it to die. But I can’t bring myself to just throw it away because it works perfectly. And who’s going to buy a 4 yr old used Fitbit? Help. Help.
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  311. A partner whose spending habits are worse than yours.
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  312. Thanks for bringing awareness to these. So often people just accept these practices without questioning it!
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  313. I sold extra junk around the house and made almost $7k
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  314. OMG, I live in Michigan and, before COVID shutdowns, used to drive to Canada to get affordable healthcare treatment and meds. Scariest time ever was getting stuck at the border getting back into US with a border patrol agent, with white supremacist tattoos, telling me I was lying about the purpose for my visit (when I was offering to show him my receipts and the pressure wrap on my arm where they drew blood) and insisted on going through my trunk, commenting on every single thing he saw. He was ranting about how I was lying because people from Canada go to the US for healthcare because their socialized medicine is terrible. My family has always been border people and Canadians often go to the US for different healthcare than Americans go to Canada for. That dude scared me and I'm white. I can't imagine how much worse it would be if I were a person of color or obviously queer. 😞 Need to be really desperate to get healthcare in Canada (like getting new EpiPens) to put up with the randomly awful experience of getting back into the US.
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  315. I would tell my younger self that your hobbies don't always need to be monetized and investing in your education isn't always "an investment in yourself" and worth the time and money, I wanted to become a Philosophy Professor because I had a huge interest in the French philosopher Michel Foucault. I accumulated a ton of student loan debt trying to achieve that goal and realizing it wasn't for me and leaving with my M.A. I am now tackling paying off this massive student loan debt as a result of that decision from my younger self.
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  316. I love your videos! Minimalist, intentional living and living MY rich life. I have a life full of fun and adventure. I am surrounding by people, pets and things that I love in my (paid off) house. With no debt and comfortable savings, I get to make intentional choices.
    18
  317. A big hello from Australia 🇦🇺 Love your videos Nicole! Thank for your awesome advice!
    18
  318. Well said Nicole. The first question is THE most important that so so many people disregard 🤷‍♀ Also, robot vacuums are incredible. A product that can give me more of my time back easily pays for itself.
    18
  319. I am with you on the no renting a room thing! Great video today! Very thought provoking!
    18
  320. Thank you for sharing about the difference between vegan and plant based! I’ve also been vegan for almost 7 years and I love your channel. Congrats on 50k+ subscribers 🙌
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  321. Agreed. I'm a school teacher in Vancouver and can barely afford to live here. Rent is 1/2 my salary.
    17
  322. To avoid tipping, I don't do business with business where tipping takes place. this includes restaurants. learn to cook people.
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  323. 10 million! Ha ha ha, I really like the added little comedy bits you put in!
    17
  324. Going to rent a movie on a Friday night as a teenager. Smelling the popcorn as I opened the door, rushing to the Newly Released section, the place was packed. People stood around talking about what movie they wanted or what was good or not. Now that building is a boring cell phone store.
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  325. “Bloom where you’re planted!” Make your current space a home…if you need to sell, then your home is staged (and will command a better price) you can choose to move the homely-stuff to your new place, but a HOME is important to your mental health. You can’t make great judgement-calls when you’re neo-cortex is turned off from stress! It makes financial /emotional/mental sense to home-ify your house! Good luck with the nesting!
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  326. I feel like you could see me laying on my couch with my phone on my chest 😮😅 I agree. I love my house neat clean organized. It makes me so happy to walk in the door at the end of the day or walk out in the morning and see everything exactly the way I like it. And I too live alone so I do it for me, you are wise beyond your years my friend have a peaceful, tranquil day.❤
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  327. I always have thought about this in terms of music as well; even if you bought an album that you end up not liking much, you would still KNOW it, because you spent money on it with the intent of appreciating it, and listen to the whole damn thing a bunch of times still. I believe there's still more value in having an intent of appreciation and not liking it in the long run than scanning through spotify or whatever and listening to the first 10 seconds of something to see if you like it. As a musician myself as well, gaining the knowledge of what you don't like about something is a pretty valuable tool to have in my opinion!
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  328. Congratulations 🎉🎉🎉, let's do 30K next!!💪
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  329. I have a capsule wardrobe. It saved me money and time. I only wear the same 10 outfits anyway.
    17
  330. "minimize your kids, get rid of them" hahahahahah
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  331. As soon as you said "write off," I was expecting that clip! 🙂
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  332. Love this video. Me and my husband are definitely that type you describe "makes 50k and spends 30k" roughly, so we're pretty confident in our decisions but there is always room for improvement and making great moves with our money. I love the attitude you share here about driving your older car with pride, and so on. It's so good!
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  333. I have to say this post was absolutely spot on. Thank you for bringing this to light ☕️
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  334. SO happy for you, Nicole! I started watching you in December when your "Why I'm so Frugal" (I buy almost nothing) video popped up on my YouTube homepage. Your content totally resonated with me and I've been a huge fan ever since, and even got my boyfriend hooked on your videos too! It's thrilling to hear about your journey and successes. I wish you all the best luck and good wishes, and keep up the great work! We all love you and Levi :D !
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  335. I agree that hobbies are crucial. For me, I view having no hobbies as a red flag. The worst is working with people who have no hobbies, and are just corporate ladder-climbing and never have anything to talk about 😣
    16
  336. This is what i did when i left my kitchen life in July 2021: no work/life balance amd stressed af with money saved up and no debt. I took 3 months off looking for work (hard to get in the desperate "we need people" market) and took a short term job in retail at Autozone for a year worh the same BS as kitchen work, but less pay. I have now been working on a CNC machine this past year, and learned a fair amount about CAD/CAM software. I enjoy my job, have holidays and weekends off, and i want to learn more about it since it's a good skill and career path into being machinist. In the meantime, i am still working on my music and getting more material ready for a solo release!
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  337. Minimalism as a lifestyle is ancient, as it was practiced by Buddhist monks. Later it became an aesthetic. I however began practicing minimalism at an early age. Later, In the early 90’s I came across a book by Elaine St James, called Simplify Your Life. it put a definition around my preference for living. After the internet took off and blogs became popular Leo Babauta minimalist journey attracted my attention. It really started trending and the counting of possessions and the stark aesthetic became a turn off for me, because it came across as an obsessive compulsive addiction.
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  338. Hi Nicole I’m following as much as possible your advices and I can see a positive change already. I started cooking for the week and stop spending on things I don’t need. keep posting videos!!
    16
  339. Yay new video!!! Been waiting before going to bed. Watching from Philippines 🇵🇭
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  340. Never had to pay monthly car payments. Always felt I can't afford new cars. But because of this, the experience I have maintaining my cars throughout the years makes my current 20 and 30 year old daily drivers almost like new which gives me more gratification than any new cars would!
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  341. Oh man, the insurance thing is so true. I switched auto insurance companies a couple months ago, kept the same coverage, and cut my bill by over half. I also switched homeowners insurance a week ago, got better coverage, and cut my bill down by $1300 a year. Definitely shop around for insurance.
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  342. I'm a middle school math (pre-algebra) teacher in my 60's, so I was particularly interested in your take on high school. Its really quite interesting how we have arrived in todays K-12 education focus of getting every student into college after high school graduation. One of the reasons why so many young people are drowning in college debt is that college education has been oversold. This has also led to the tremendous increase in college tuition prices because there was too much demand. Meanwhile the still important jobs of the trades and jobs that require skills with your hands have been overlooked to the point that there is often no one available to do the work. I would say that one of the tragedies of modern youth is that by and large they all want jobs that allow them to play games on computers all day long - they are addicted to their electronic pacifiers (smartphones). Young adults are extremely resistant towards any job in which they might physically sweat. All that said, one of the big reasons for broad based academic subjects in school is because we have no idea what the future holds. When I was doing my high school math I used a slide rule (an analog mechanical computer, look it up), calculators and personal computers were still a couple of years away. The future is certain to hold advances and changes and new types of jobs previously unimagined. You may be happy to know that one of the ways I reinforce the idea of negative numbers is to introduce my students to financing big ticket purchases and basic net worth financial statements of assets and liabilities.
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  343. Waking up early is the worst 😋
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  344. Still enjoying minimalist. And since I am still paying down my debt, thinking religiously about what I really need is a must.❤from LA
    16
  345. Nicole, I think you're wise beyond your years....I love your content, your attitude and your financial sense. Glad I found your channel.!
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  346. Almost 40k 🎉 I like what you said about valuing long term what you purchase. Pausing to think about that before adding to our inventory will prevent us from tossing stuff in the trash!
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  347. Keep on being you. Breath of fresh air.
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  348. They are also buying up all the single-family homes. I've been pre-approved for a home loan for 6 mos. Can't get an offer accepted. The last home sold within hours, ridiculously above the over asking price I offered and no inspections required. A regular person can't compete against them.
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  349. OMG! Baby Levi ❤❤❤❤❤
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  350. 6. Job hopping - the most foolproof (not the easiest) way to increase and sometimes even double your salary.
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  351. I knew I wanted to be home owner but I was a graduate in my first full time job. I started flipping furniture which allowed me to take £10 and turn it into £120 and little by little I saved enough and grew my money enough to be able to buy the house. And now I've renovated it and we are debt free just by flipping things in the evenings.
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  352. Wow, what an inspiring story and such great advice! Thanks for sharing it.
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  353. I totally agree with you about the music thing. I used to get a new album and POUR over the liner notes listening to every single song like five times until I picked my favorites. Now I'll just scan through to the songs that catch my attention. I've been trying to be more cognizant of that recently (like taking walks all week when the new All Time Low album came out and making myself listen to the whole thing all the way through before I picked my faves). But yeah, music still gives me that sweet sweet dopamine hit 🤣🤣🤣
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  354. I know it's not funny, but the refrigerator door situation made me laugh. The backyard is beautiful and the light in the house is awesome. Thanks for sharing!
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  355. Mine was always other people's houses. Grew up in a small town.
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  356. My third place is a local park where I can walk through the wilderness
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  357. My added tip would be 'never leave a room empty handed'. In this way folk tidy up as they go along. Also, the very old one of 'a place for everything and everything in its place!. I love the 'buying it twice' idea - im gonna copy that one! Thank you Nicole. Big fussess for the gorgeous Levi!
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  358. The floor looks great! You are right, it does make a huge difference!
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  359. One man I talked to about HOA things , we were talking about water rates, had no idea what his water cost quarterly because it was included in his HOA fee. Supposedly they cover snow removal, trash removal, and those types of things. The property management companies don't always use the money as it is supposed to be used. Big Surprise, right.
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  360. I can't lie Nicole, all of these are solid advice. Some I hadn't even thought of. Good job!!
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  361. For streams of income, I work part time, my husband works full time and I just started flipping on the side. We have 2 toddlers, so once they're a bit older and in school, I'll be either working more or ramping up the flipping. This year, we decided to open a second bank account that's high interest. We're still deciding on which one.
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  362. Why would you be lonely or bored living alone? How are you supposed to recharge with roommates?
    15
  363. I'm officially back to CD's and my iPod. I honestly forgot how much better the quality was 😐🖖
    15
  364. I found your channel tonight and have been going through your videos. I’ve been a minimalist for over a decade now (before minimalism channels on YouTube we’re a thing). Your channel is one of the only ones where I’ve heard original ideas/concepts. So many YouTube minimalists regurgitate the same fluff. Thanks for being different! I’ll certainly continue watching!
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  365. Whenever one of these private equity firms buys a chain of restaurants, the quality of the food drops noticeably. No doubt they treat their mainline workers worse as well. Pump and dump to keep on handing out those fat bonuses to the executive class.
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  366. Love the cardboard box and submarine reference hahaha!!! I’m in New Brunswick on the east coast and the price of stuff is absolutely fucken ridiculous as well!! Gas is at $1.80/l now and food prices are absolutely crazy. Im actually contemplating turning my basement into a 1 bedroom apartment butttt I’m an introvert and like my privacy and my own space sooo I’ll probably just continue to procrastinate on that idea haha!
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  367. Hurrah for 20,000! Well done! I think people follow because you offer excellent content…which can be a rare bird. I’ve never seen you as terribly frugal or a minimalist. To me you prioritize, which again is rare these days. I think often folks think they should have it all right now cause they want it. So let’s just charge it and figure out how to pay later…or not at all. So to me you live a common sense life. Which is, paradoxically not common at all.😂❤😂
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  368. I actually vomited a little when I read your comment
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  369. I feel like I can completely digest and unload mentality at night when it’s most peaceful and cool. As a man I’ve been trained to be an early bird but always gravitated to being most product with third shift hours. Day time is for fun in the sun. We really need a work culture shift
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  370. poor Levi :( get well soon my dude! we are cheering you on!
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  371. I no longer view my $400 savings as a option. I was spending about $300 on fast food per month. I’m down to $100 now. I now have 4 months of emergency money to cover all of my expenses in case something happens. Thank you for the video!
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  372. Everything is on line! No need to go out there and interact with anyone, ever. Feed the birds, walk with a friend and leave the ear buds at home.
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  373. "I've spent my whole life Trapped in a cage ! "
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  374. Love your channel! I consider myself a minimalist, it has saved me $$$$$$. It is why as a single mom I have a fully funded emergency fund and no debt. We don’t need 99.99% of the things we buy.
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  375. I'm pursuing FIRE but I'm so far away from it that's it comical 😃 but I'm still going to pursue it because the fundamental lessons behind it is actually very positive
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  376. Ryan Mint Mobile is a good guy. I am with Mint for the past 3+ years and very Happy with the service!
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  377. my 11 year old stepson is already in this trap…the moment he has the new thing, he loses interest quite quickly. i think we’re on the third gaming tech in one year…i worry for his future as an adult…i’m trying to practice financial minimalism and try to explain to him to enjoy the millions of toys he has…but it’s not about the toy, it’s about the buzz and that worries me as can lead to an addictive personality
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  378. I started my own business for exactly the same reason. Fast forward 10 years, I own my home outright ( no mortgage) in a part of the UK where I've always wanted to live. I have a small nest egg, continuing modest income from my business and living simply and frugally my time is my own. I retired early at 58 years with only a light touch required to keep my scaled back business going. I was told by so many folks that I couldn't do these things. You keep on having attitude sister - its what gets you where you want to be!!
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  379. Another great video! thanks for sharing your wisdom and insights and Levi was such an adorable baby!
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  380. Lol so funny you say that. My family has always done money. Then I give them back the same amount. It’s so stupid. Why bother? Just to say you gave eachother a gift? Ridiculous. Maybe I’m a Scrooge but Christmas is such an annoying money racket.
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  381. You forgot to mention that toilet paper actually has 2 sides, if You want to go extreme 😅😀
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  382. All amazing points Nicole! I don't take my phone to meetings at work cause I like to be present! But most aholes are on their phones instead of paying attention and participating! Also I make my bed once in a while and it's so comforting when you go to sleep in a fresh bed at night!!! I will start doing it everyday! Love you Nicole!!!
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  383. We have local animal rescues here that I help. They list the vet’s office and number so you can call the vet yourself to contribute to the bill.
    14
  384. The ergonomic standing desk E7 and the ergonomic chair C7 are the preferred choices for the home office/long office hours.
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  385. I know my comment doesn't mean anything but for what it's worth, I really enjoyed this video a lot. You are that friend that comes over and doesn't make fun of my dated kitchen sort of vibe. I appreciate your personality and as a 29 year old mom of two it's nice to be reminded that I can still be who I 'was' with kids and embrace my personality.
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  386. Hi Nicole, I really enjoy your videos. I live alone and completely agree on the benefits. Special kudos for not relying on TV or Netflix.
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  387. As a natural big spender and maximalist like me, I became inspired by minimalism a couple of years ago. I threw a lot of stuff out, sold them, gave things away. And I'm still looking around how to declutter some areas in our house. But........... but........ there is one thing I would like to say what I read once and what really resonates with me and that is (some) stuff can makes you happy. If you're working hard, it is can give you a good feeling to spend it on something you really want, and which makes your life much more pleasant. I am sketching and I have the most high quality paint while I'm still not good at it and still never made really progress. But that's okay. It's okay to treat yourself right if you (think you) earned it. And with a family life I love to have some happy clutter here and there. It makes it cozy home which I never had myself when I was young. And with my changing personality and thousand and one hobby's I have, I simply cannot downsize cause sometimes I have a project in mind, and then I'm digging into old stuff I kept for years which comes really handy at that moment. So for me, minimalism inspires me a lot to get rid of unwanted stuff which keeps your mind in a constant chaos and I can be inspired by videos like yours but also sometimes (guilty pleasure) I watch also videos about people with the diogenes syndrome to let it be a warning never to become like them! And a little note: your videos made me to want to give my dying Youtube channel a new life and two days ago I made my first silent vlog about my life in France and I'm so happy that I did it. You have no idea that you put me in the right direction and I would like to thank you for that and also having responded to my email and being totally honest! Cause I tried to experiment to talk like you in front of the camera but however I can be a good public speaker, in the absence of an audience to interact with and to react, I was having a hard time and it was not pleasant to watch myself speaking. So I decided to make simply videos about my life, because that is what I want to share through visuals and not by talking anymore. It is great to have this community and to be inspired and to support each other! You go Nicole! I love your videos.
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  388. Happiness is a new video from Nicole on Sunday ❤
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  389. I strongly believe that point 2 about a college degree is true, but wasn't true until maybe 2012-present. As someone who graduated college in 2000, I absolutely reaped advantages when starting my career that made it completely worthwhile even just having a broader humanities degree. Up 'til 2010+ I really think MOST employers insisted on a bachelor's degree from all candidates for "good jobs"...then it completely flipped, and now it's mostly just needed for specific career paths.
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  390. Congrats on reaching 20k subs!! Your videos have helped me immensely, I no longer spend money on unnecessary things and have been able to start paying down debt. I thank you for sharing your wisdom.
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  391. Nicole, you are unique, and the coolest! I absolutely admire you!
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  392. Nicole I am moody so taking a walk sounds like a great idea. Good exercise too. Thanks for your ideas. I love them
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  393. When you are sleep deprived, you're miserable, and it will ruin your health in most cases. I have always put a good night sleep as one of my main priorities. fatigue is a major issue that makes people miserable and causes car accidents. Schools in the recent years even started opening later in the morning just so students could get more sleep. Yes, very good point. We've created a system that society has forced everyone to conform to. I have made the mistake to judge people as lazy for sleeping late since I'm a morning person. Your video has taught me a lot; I will view this issue much differently.
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  394. Love your videos Nicole :p 💛
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  395. I am only 24 but if I could tell myself anything 4 years ago is learn to be content, take care of myself mentally and physically and keep my first car instead of getting a new one
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  396. Hey Nicole--thanks for another great video. I totally agree that buying clothes is a total, horrible drag! I need to do what you do and wear basically the same thing all the time!
    13
  397. Or become a felon, grifter president of a uneducated , zero insight country😢
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  398. I love the workout I get from a good proper houseclean a few times a week, and mowing my lawns every 2 weeks. Who needs a gym?!
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  399. Girl house hacking and roomates is something i will never do again, I'd rather work 2 jobs than to share my space. Roommates should be someone you love and trust, but living with a stranger is something i can never wrap my head around and has always been a nightmare
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  400. Thanks for your insight Nicole. The piece on the cow's crushed me. I'll be stopping bovine milk immediately. I'll investigate the many alternative sources ie Almond milk. If I can save one cow from today on - its worth it.
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  401. Dave is a slimy fellow - SOME of his advice is sound, but too much ego and bluster behind it all.
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  402. I'm in the UK and use Ebay and Facebook Market Place to sell my stuff that I have decluttered. Sometimes things don't sell but most of the time they do. What sells really surprises me. The tip I would add is to check out prices of such things on the Internet before posting. Thanks for this video - liked the format and would be interested to know more about what you flip. Also, for some people including personal safety tips might be useful. Ps love your dog!!
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  403. Hey Nicole. Great video! I think you could update this video with all the new updated prices of these services. Maybe another one with grocery prices. I just found your channel today and I am loving it! New Canadian subscriber here.
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  404. Not everyone has to achieve the same things in life or even achieve things by a certain point compared to others, some people do it quicker, some slower some not even at all what is important is what you learn in the way. O and most importantly growing up thinking Canadians had a thick Canadian accent.
    12
  405. Only tips I give is ones to my ex on how to improve in bed...
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  406. Great video 😊 I needed to hear this. Coming from you, it feels motivated and coming from a good place. I sure do enjoy your content and sweetheart Levi too!❤
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  407. “Fun is a good enough reason to do something… Life is weird. Life is boring, and stressful, and sad, and it’s up to each of us to find ways to make it less so.” I came here to hear about your espresso-making experience, and learned a lot about life. And you won a new subscriber. We all have no idea how long we have in this wonderful adventure of life. I have an impending loss of a close relative (to Stage IV cancer, DLBCL or large diffuse B-cell lymphoma) to remind me to appreciate the gift of today. There are no guarantees for tomorrow.
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  408. "Not right in the greater Toronto area, cause I'm not rich" that is so relatable haha...I am in the same boat.
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  409. Hi Nicole! I just wanted to say how much I truly appreciate your videos—they're always so informative and inspiring and I’m so grateful for all the value you share with us! 🙏🏼 I was wondering if you might consider making a video about your YouTube journey and how you grew your channel. It’s so impressive to see what you’ve built, and as someone who’s just started my own YouTube channel, I’d love to learn from your experiences. Hearing about how you managed to grow your channel as a side hustle and any tips you might have would be amazing! Thanks so much for all that you do—you’re such an inspiration! ❤
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  410. The housing thing: My wife and I are in our early 30s. 3 kids, no debt, emergency fund, saving 15-20% per month. I am a tax consultant and my wife is a nurse. Doesn’t make sense to buy a house, financially. If it did, we would have bought one already. However, not buying a house doesn’t mean we aren’t building wealth. Don’t let the housing market ruin your life.
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  411. Love it. Very relaxed
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  412. Please keep making these videos. These are my favorite kindsssss❤❤❤❤
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  413. I love the two day rule! This is a great video Nicole. 🔥🔥🔥
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  414. This was a fun video.. Enjoyed it
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  415. I hope in the future you fall in love with your place... I love how good care you take of Levi and think about animals in general. That's why i give you a thumbs up on forehand, cause i love watching your content and i hope to see much more in the future!
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  416. Almost 20k 🎉 so happy for you! Thank you for this important reminder. I needed to hear it.
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  417. Every high school student should hear this advice, Nicole‼️👏👏👏👍🙋‍♀️🥰‼️
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  418. 1. Lattes / local businesses I literally piss away money on lattes! However, I consider this to be an investment in my mental health and my neighborhood. I work from home, and escaping to the local, independent coffee shop is my chance to read, relax, and connect with other shop regulars. This was a daily habit, but I cut back to the odd weekday and weekends. My favorite local coffee shop has a garden (open as weather permits), and if the cost of admission is a latte, I am happy to pay it. 2. Personal care Massages - I have a monthly massage membership, which gives me access to a monthly massage at a discounted price. This serves my physical and mental health. Sunscreen - I no longer buy loads of skincare and makeup, but the one area in which I spend more freely is sunscreen. I cannot tolerate "chemical" sunscreens, and too many physical ones impart a pasty zinc face would have charmed a 20-something Goth me, but I'd rather have a mineral sunscreen that blends a bit better. I pay a bit more (but look for sales) on "cosmetically elegant" sunscreen.
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  419. I would show this to my mom, because she really buys so much junk. But her air fryer was arguably one of the best things she's ever bought so I'm afraid she would miss the point and feel vindicated 🤔🤣😏
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  420. Love your view on life!
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  421. Love your attitude!
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  422. Levi is so stinkin' cute 😍 I love him!
    12
  423. In a world of Elons, be a Dolly.
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  424. $2,800 all in on housing is a MAJOR deal. I live in NYC and my rent ALONE is 2K
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  425. I also find batch cooking on the weekends a game changer. I usually do two different things that I can bring to work for lunch or heat up for dinner when I get home. Saves money, time and I'm always eating well.
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  426. Received a $250.00 bonus from my side job. Stocked up on food and toiletries.
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  427. I love seeing Levi! A day in the life of Levi I’d like to see.
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  428. I have enjoyed Mint Mobile for three years now. I can't believe the number of people I can't convince to switch. The Cellular Marketers really have a hold on the mindset of folks. Meh, if they want to spend in two months what I pay for an entire year, so be it. Thanks for the vids Nicole.
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  429. Enjoyed the rant.😂 Honesty is so freeing!
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  430. Omg 😳 you just gave me a whole new outlook on dairy. Thank you for this knowledge.
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  431. I agree Nicole : ) I want to lose weight and just started a diet now I'm not waiting for new years! I grew up in Brasil and you should see how many New Years superstitions they have! They all wear white, they jump 3 waves in the ocean at midnight and every year nothing happens! It's the same shit! Lol! Happy New Year to you too!!!
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  432. Womem shouldn't be sorry for asking the bear minimum. We don't want a kid when dating.
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  433. 13:21 I donate directly to a local food bank. There is no overpaid CEO and it is run largely by volunteers… I feel good about this.
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  434. Greetings from a Boomer with one foot in the grave! Modern times suck so bad.
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  435. I do have Amazon prime and your making some pretty good points. Something to consider. Thanks Nicole for another great video.
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  436. great video, love the honesty and Levi is SOOOOO worth it lol hes so cute!!!
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  437. Oosh two videos in one week, I could get used to that. One of the rules I like to apply to my life is simply to create a habit of doing it that way it just becomes automatic but if it doesn't get done it will defiantly get done the next day.
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  438. Minimalism goes hand-in-hand with anything as long as it's not an overabundance of things, to me a rich life means having money in the bank to cover my mortgage my bills and my food and a few other things. Nothing more nothing less.
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  439. 10 out of 10 Good boy Levi 😊
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  440.  @nicoleavery7238  Everything we use is non toxic, eco friendly and not tested on animals! I absolutely love what I do and especially that I get to incorporate my lifestyle into my cleaning services. We also choose a local rescue every month and for every new client we get we donate $20 towards the rescue. It makes me really proud to hit that donate button at the end of the month to help the doggies.
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  441. Work Life Balance is everything!!! Doing what you love, when you want is the best!!!
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  442. grats on 20k Nicole
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  443. I’ve been driving my 2011 Hyundai Elantra for 11 years now😊 Great video Nicole!!!
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  444. I think your self-discipline is the biggest thing in your corner. A lot of young people just throw away all of their money regardless of income, like you said. I was guilty of that to some extent getting into credit card debt in my 20s. Thankfully I matured by my 30s and got everything together. Now in my late 40s I see that a lot of people never reach that stage at all. Sounds like you were earlier to mature.
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  445. Congrats on hitting 100k Subscribers!
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  446. I’ve just subscribed to your channel and I love it! I’ve told my children who are all in their twenties to listen to your advice. I just retired at 54 and it was possible by being frugal all my life. I have had a financial adviser at BMO for thirty years and with that help and guidance has made my husband and I able to retire early. It amazes me that so many of our friends think they can manage their retirement savings portfolio on their own.
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  447. I had to leave a comment after watching this, I’m a new subscriber and I came across your page few days ago and I can’t stop watching your videos. You have some really good insights and I can see myself inside you a lot! Keep up the good work Nicole and I’ll continue to learn from you.
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  448. I enjoy the anti-budget 😊 money goes to my savings first. It's not alot, but it adds up
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  449. Hey Nicole! I just wanted to say that I really love your videos! I am a 27 year old veteran that graduates college in 2 months. I have been watching all and feel better off and even have your stuff on notify so I know when you post!!
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  450. We need more voices like yours because this thought process will also lead one to being a better person who leads a better life and makes other peoples lives better in other ways that people don’t think of immediately. You hit another homer out of the park on this one, Nicole. Keep going!!! 🎉
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  451. Thank you for the reminder of what true self care means. You inspire me to live my best life.
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  452. I love your no nonsense, straight to the point attitude! So refreshing❤
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  453. Totally agree with everything you said in this video. This world is f'd up.
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  454. Minimalism means I can have a smaller house.
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  455. Thank you Nicole!
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  456. WORK SUCKS. I KNOW. 🎶😄
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  457. Your dogs soooo cute omg show him more ❤
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  458. So happy your channel is growing! You and Levi deserve it! Much love from AZ 😀
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  459. Living in the UK in the northwest I tend to spend on average £967pm or £241pw. £767 of that being mortgage and utilities and fuel etc, the remainder being gym and entertainment. This obviously can change but being an introverted minimalist has its benefits on your savings. It would be interesting to see a video on what vegan meals you like to eat during the week and maybe how you like to save money on your shopping other than making meals at home. Loving the weekly videos, looking forward to your next video, keep up the great work!.
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  460. 👏🏼 Very wise my dear !
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  461. Great to see you back! I missed the weekly habit of checking to see if you have uploaded. (see what I did there.) All Great opinions on habits others could easily adopt into their lives, especially the money tracking and getting exercise regularly but figuring out a way to just clear your headspace like you do walking Levi. A habit I like to focus on is not caring what others think or do which in turn holds you back from improving yourself, too much time spent dwelling on what others think about you and who you are/ what you do is wasted time. You don't fit into the work click o'well. You don't get smashed every weekend "your boring" o'well. Not having the latest fashion trends o'well.
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  462. Thanks for your honesty ✌️ and congrats on 20k subscribers 🎉 I so enjoy your videos and sense of humour 🙌
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  463. Great video Nicole!
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  464. I'm calling my credit card company and asking them to take off the yearly fee. If they won't, I'll go to another company.
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  465. i like your “2 minute” example for seeing how much you can accomplish in a short amount of time- i am always suprised how much I can get done in a set amount of time— it’s typically alot more than I thought. i’m enjoying your channel so much!! i came across your channel yesterday and i’ve just been a sponge absorbing so many tid bits of information. thanks so much!!!! you’re a gem 💎 .
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  466. Watching your videos have compelled me to make some changes in my expenses. After only watching a few vids and subscribing. I’ve saved $100 a month.
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  467. NOT a hypocrite, you got a better deal for the same money AND you recoup some fiscal return's from selling your i-phone7. That's a win-win deal all-round I'd say!
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  468. Girl I needed to hear someone else say this. The hustle culture leave out room for family and most of time which will never be able to be made up. Thank you for this💕
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  469. I love you, Nicole!!!!! Your videos have been helping me learn how to save! I'm just starting this month!!! Little by little! 🩵🦜
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  470. Yes to all of this. To me minimalism is more about being mindful of what you bring in and remove from your life and not buying into the rampant consumerism we are encouraged to participate in. What's important is going to be different for everyone and will definitely change over time.
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  471. Not wanting to pay $25 for a happy meal is not being cheap. It's like when drivers during the height of pandemic deliveries were getting pissed at customers for not paying tips on top of the crazy prices they were already paying the company when the drivers should have been going for a better cut from the COMPANY. It's like when you order and pay for pizza delivery only to find out that the driver is not receiving the delivery fee... they still want YOU to pay for yet another tip that should have already gone to the person actually making the delivery!
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  472. Agreed on the real estate agents…and also other “businesses” that help sell things that other people own…and collect income without putting in any of their own cash. The other big scam are agencies that provide temporary workers…and the companies that use them. Like the real estate agent; it’s just another layer that someone has created to pull money out of a process.
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  473. Watched all of it. Ran.my own business for 10 years. I too didn't work weekends and Fridays- I retired at 58 - just keeping a tiny bit of business going to pay my way. Yes, I have to be frugal and minimal but I always was anyway ( hence able to retire at 58). It took years before I could say " I don't work weekends or Fridays or before 11am". Most people just said something like - you lucky thing. A few pointed out how much more money I could make. There is a Buddhist story about the business man and the fisherman- luckily I had heard it! I wanted time now to read, do yoga, listen to music, watch a sunset enjoy and be grateful. Tomorrow, after all, is not guaranteed.
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  474. Flipp you can enter the product at the search and find the lowest price ✔️
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  475. I hope you feel better soon 💕 I agree with you about college. There was so much debt! I had my loans forgiven because I was in a lawsuit class action. The college I went to was fraudulent and nothing ever came from my education experience. I am glad I had them forgiven but it was such a waste of time.
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  476. This is Genius Nicole!!!! Thanks for sharing!!!
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  477. I laugh at that Homer Simpson clip EVERY time. I don't have kids, and I still don't have "3 money" because I'm still paying on my student loans
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  478. Thank you Nicole! Because of your channel and for the first time ever, pay myself first and now I’m only less less than a $100 away to reach $1000. It’s something than nothing and this is big for moving forward. And plan on doing the excel like you mention that you do is making a game out of it. Thanks Nicole!!! Keep going! Rooting for you!!!💗💕😃☘️💚
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  479. Basicaly ,what your saying is, You live your life your way, and let others do the same. Who gives a S""t what people think. Great opinion, Great video.
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  480. I think neutrality is the natural healthy state of mind. Inner peace. I feel that happiness and sadness/anger are two temporary states in the mind of a healthy person. Great video as always.
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  481. My self-care is watching your Sunday video upload while sitting with my dog and enjoying my morning coffee 🐶☕️🤠 gets me thinking before I plan my week ahead.
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  482. Adding a comment
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  483. SUCH A CUTE PUPPY!!
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  484. Well done. You are great in articulating your thoughts and feelings. I go through those same emotions. Always wondering, have I done the right thing? As much as I want the change I sometimes run back to my comfort zone.
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  485. damn, you just read my mind about how being in a "dream job" would probably just corrode the pleasure of doing it
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  486. Smart and charismatic too! That's an unusual combination, Nicole, and you have it in spades!
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  487. Thank you! I agree, buy good quality so you don’t have to buy twice!
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  488. I have been watching your videos the past couple of weeks. You are so practical, I’m 21 and aspire to to achieve my own home one day. Love your videos!! Keep making content <3
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  489. 8:47 Hospitals use to be federally funded in the US, but greed made the politicians run the government like a corporation and profiteering became the norm, cutting costs by cutting programs, cutting funding, and keeping more tax revenue than they were spending.... Basically shrinkflation of an entire country. We pay more in taxes now than ever before with only a fraction of the services we use to get.
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  490. Thanks for another great video! I would add a reminder about public libraries. In most places in the US and I assume in Canada, you can check out books, movies, music, sometimes even games and artwork. It is all there for free!
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  491. Happy Birthday Nicole! I feel like you got in my head. I did the same thing with my crayons. I am 54 & still grappling with perfectionist tendencies. I am getting better with it. I can laugh more at myself now. Thank you for all the great videos.
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  492. We are 63 and 66 and we’ve lived in our home since 1991. Our girls grew up here. Every nook and cranny has been loved on and cared for. Nicole, you have a beautiful canvas. Enjoy making it your haven your way on your timeframe.
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  493. Congratulations on your YT success! 🎉 This was a very inspiring video to watch as a content creator myself.
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  494. I mean just look at those FISH! and hahaha "I'm perfectly happy to sleep in and watch the world burn". 🔥🔥🔥
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  495. Certification is also an option, which I am working on it. :)
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  496. That’s a matter of opinion that has MANY factors. In some instances a home CAN be an investment. Your black & white point of view is too simplistic 🤷‍♀️
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  497. Being human is beautiful. Your mistakes have served you well :)
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  498. I have always had trouble with that proverb and never use it....because its simply not true. Your argument is much more well thought out and concisely communicated than anything I've ever come up with and I agree completely with everything you said here.
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  499. Frugal is good. Keep up being an influencer. Your home is beautiful and I noticed sparce. That is smart. Buy slowly what you really want in time. Health affirming is never wrong. good for you.
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  500. Levi is gorgeous! His little face when he wanted to play, bless him . I live a frugal life in the UK. The prices of your groceries seem much higher than the UK. I too spend more when friends come round - but that's fine as it costs less than going out! I am enjoying your videos - it makes me feel a little less alone to find there are other folk out there leading a minimal frugal life. Since our lockdowns ended I have only gone to a major city a couple if times and all the noise and pushy selling techniques just left me stressed. ( my dentist is there). Only bought one thing! Lol
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  501. I would have loved to be a fly on the wall when you were in that focus group about bank fees😂
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  502. 100% agree. Like, I don't understand girls that go on crazy diets before a big event such as their wedding or prom etc. Like, don't you want to look hot all of the time? Does the rest of the time not matter? Don't you want to feel good about yourself all of the time? Don't you want to actually honor your body by eating healthy and exercising and not starving yourself temporarily only to gain it all back after the event? I also don't understand new year's resolutions. Don't you want to be the best all of the time? If there is something that you want to improve on, change it now, not because of the time of the year.
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  503. Keep up the good work!💪💪💪
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  504. So much better! I can totally understand you don't like carpets 🙂
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  505. Kudos to you for putting an extra effort to make videos like this, must be time consuming, tedious editing and it calls for extra planning and timing. After this video I watched the one where you compare eating out/ordering food vs. eating at home, same thing. And you give great advice!
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  506. oh my gosh that LV bag, I saw it online last week and made my coworkers gather around to see its ridiculousness!
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  507. I am applying what Nicole says and saving money to my bank account. It is not much, but it is something. I have also negotiated my rent. I have actually had successful insurance claims.
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  508. You are definitely not alone. You are able to articulate things so well. I have moved so much it’s ridiculous. We have moved for hopefully the last time for a long time in February to a nice 3 bed 2 bath condo. I don’t want to take care of a yard or shovel snow so this is perfect for us. My mom is selling her house and has moved to a condo she used to own but is now going to rent it because that was her happy place and that’s where she wants to spend the rest of her days. So yesterday was my last day cutting grass at her house. We moved her last Saturday. The process and pain of moving has finally got me to a place that I really just want to stay put. I’m hoping that I follow through and not move again for at least 5 years. I’m always seeking something new and exciting. I find I do this with my work too. I’m back and forth as to what I want to do vs what I probably should do. Maybe one day I will figure it out. Maybe not. But I guess it’s what keeps our life interesting. Keep up the good work. I love your videos.
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  509. The dark ages were so much better. I had that Blink Cheshire Cat album on cassette!
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  510. I totally agree! Even though I've been self employed for the past 8 years, there is always this fear in my mind: "what if people stop requesting my services?" It's wonderful to have the freedom that self employment gives me but it's certainly stressful at times, when the income is not as consistent. 😓
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  511. If your vacuum ever breaks, you might try a Roomba. I'd never be without one again. Also, stainless steel pans are great if cast iron ever becomes too heavy to lift....which it has for me 😆
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  512. I NEEDED THIS. I had the exact same thoughts a while ago, but being constantly stressed out for a long period of time still got me back on that slippery road of procrastination and treating myself too much. Things started to go downhill and turn ugly pretty damn fast, causing even more stress and nearly another depression episode. Thank you so much for this vid, I'm gonna do the dishes, cook a nice healthy meal and remember to take a proper care of myself
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  513. I’m 53 and my favorite band is Blink 182. And my husband says I have the sense of humor of a 12-year-old boy. Nipples. Erect. 😂😂 I LOL every time you say those words.
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  514. Another great video! Before you even said the phrase, I realized you are talking about planned obsolescence. Unfortunately, the giant corporations want to make quick, easy bucks, so they make inferior products that quickly break or die and then need to be replaced.
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  515. Definitely have regrets however our lives are our experiences. Had I not made the so called bad decisions I wouldn’t be where I am today. Mind you had I made better decisions I wonder where I would be today. I’ve owned 4 properties but now I’m renting because of a decision I made to move to my dream State of Florida. Which in hind sight became my nightmare. Because 4 years later I can’t recoup the wasted money. But I have the experience. And oddly enough I am glad for the experience. I know that I can do whatever I set my mind to. We live and learn. Most times the hard way. But while I’m saving money again to buy a property I am thankful for the experiences. I am finding gratitude in everything. Once you get out of the comparison game life is better. I am continually learning and growing. I am an achiever. Once I would achieve my goal I would be onto the next goal. It’s not until recently that I finally said “I am good right where I am”. I am grateful and excited for new adventures and happy right in the moment. Gratitude has been key for me. Keep up the great work. I love your content. It keeps me thinking 🧐
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  516. This is legit, very informative. Great video!
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  517. Around a month ago my husband shopped at Walmart and the paid Walmart cashier had the gall to ask him for a tip for bagging his items. MLM’s ( multilevel marketing) are a huge scam largely in part because to get started one is required to invest their own funds in products that are difficult to sell and the investor (dupe) ends up being burdened with items they either don’t want or need. Great video.
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  518. 9 x out of 10 those of us with "a bad attitude" can overcome and work hard to get what "we" want to live without someone else's BS! I loved your video. We could do a picnic sometime and ruminate, except I live on the Northern West coast! You rock girl! 💖💖😘😘😊
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  519. Thank you, Nicole. 2 am to 10 am sleep is the best thing ever happening to me. Greetings.
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  520. Its hard for some people to grow up. Bottom line: stop being silly, stop doing thigs mindlessly - put thought into your decisions, be forward thinking, actually have a plan.
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  521. this g'ma looks forward to your vids every Sunday at 1030, after CBS Sunday morning. the two programs are both informative, entertaining, and well done, they even sequay well! at least for me! thank you for your dedication to offering others a path to tap their own patience for the future with solid advice while obviously walking the walk you talk.
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  522. I think you are an amazing human being. Thank you for sharing yourself with all of us. 😊
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  523. I think we can say what is normal only to us personally. I grew up going to thrift stores so it’s normal to me. I grew up poor but always had food and clothes and a home. I grew up going to church and praying, though I don’t go any more, I understand it and I believe in things we can’t see. I guess if others share our same background than there’s a collective normal. Nicole I like your videos because they incorporate different ideas even if you’re a weirdo. That’s actually what I like about you.
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  524. I love to bake and cook from scratch and consider researching/making recipes to be one of my hobbies. Many years ago, I invested in a quality stand-mixer and have a couple of other kitchen appliances of that scale that I use multiple times a week to make various meals or baked goods. For me, it was worth spending the money on quality brands and they have lasted forever. When I need to buy/replace cooking items, I tend to buy high quality because it increases my enjoyment of preparing food and the items last such a long time. In terms of true “luxury” items that I spend money on? I enjoy painting and I buy nice paints, brushes and sketchbooks. Now that I have those things, they last for quite a long time and don’t need to be replaced that frequently. They provide me with many hours of enjoyment and are worth including in my budget.
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  525. Unmiserate....if it's not a word, it should be
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  526. I love your videos, Nicole! I feel so identified with you. I've learned trough minimalism that most of my attachments wee a little bit more of a burden that a something that actually brings value to my life. Hugs from Mexico!
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  527. Thank you. I love your content. You are very genuine.
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  528. Such an excellent video!!
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  529. Omg 1:04 in and had to comment puppy Levi is adorable 🥰 ❤
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  530. Great heads up - I see you found yet another scam for us to avoid 😂 - you will likely find more in weeks to come. By the way, following you on yt has convinced me to go minimalist - it's been a long process over the past year, but I feel much lighter in all ways. Thanks!
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  531. Greedflation
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  532. Love it! soo minimal i like that. I´m a minimalist myself and seeing so little stuff and furniture just makes me happy
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  533. I am a credit card person and specifically use one store card every month and pay it off. It's for a big box store that sells groceries. I get 5% rewards with the card. I signed up for the delivery service. Essentially I tracked it and the reward pays for the delivery subscription and tips. So I get my delivery for free and pay off every month as soon as the purchase clears so no interest. Plus I save on gas, impulse purchases, and time.
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  534. Have a good week. Wishing you the best with your new house.
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  535. Thank you for your videos. I don't know how exactly how and when I stumbled on your videos. But they are a big part in me planning my exit from a horrible job, that I'm also hating. I dread going to work basically the moment Friday afternoon comes around. I have pretty much all the puzzle peaces, now I "just" need to execute them. My plan is to cut my hours even more (I'm currently already working just 6 hours a day) and concentrate on getting customers for my side hustle. Sooner rather than later I hope to completely leave. Over the years I already had two pretty long breaks because of burn-out and the next is on the way. I just can't take it anymore. I'm almost 45 and if I don't take this chance, I'm not sure I'm having the courage to pursue another one. I have to get out of there and your videos are a big part that I got the courage to make my own way. Thank you for that.
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  536. I know I agree with everything you said, good job!
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  537. This is why I only use bank accounts that have zero fees. My main bank account is Ally for that reason. But, one thing I love to do with these crappy bank accounts is do bank account bonus churning. I'll open an account for a bank specifically to get the bonus, and then once i've met all of the requirements, I'll close the account. One bank in particular that I've done this for 3 years in a row because I can do it every 12 months, is Fifth Third Bank. I've made $825 in the last three years from opening a fifth third account and closing it right after I met the requirements. Takes about 5-10 minutes set up time each time, and about 10 days start to finish to get my bonus and close the account. They're a trash bank, but I'll keep taking their bonus and making over $1,000hr doing it as long as I can. Lol
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  538. Girl you’re young and single. Pick a goal date, make a plan and MOVE YOUR ASS TO A WARM CLIMATE ☀️ If I was young and single I would do exactly that.
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  539. Love your work 👌👍
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  540. Best video yet!...IMHO I wish I would have realized this way back. The way you explained this concept is about the best I've heard it and has really helped me complete my understanding. Meaning, you put it in a way that totally made it "click" for me. Thank you 😊
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  541.  @AccordingtoNicole  lol 😂 no unfortunately not, sorry! Your videos are really inspiring me.
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  542. No new year resolutions. I work on my goals year round. Got a new job. Government related. Saving to ditch overpriced Ontario for the friendly and affordable Caribbean.
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  543. This video was very relatable!! I'm a senior wanting to downsize and it's overwhelming to me.
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  544. Once again, great advice about getting ahead. 👍
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  545. Also you should make a "meat and dairy" is a scam video. Definitely might ruffle some feathers but it is so so true. Thanks girl! ❤❤❤
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  546. Time to make the Patreon….and yes, i would contribute!!!!!
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  547. Wow…. A sponsor and look at those subscribers growing! So proud of you!!!
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  548. I enjoy that you keep it real & honest.
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  549. My husband and I are frugal so we can afford 4 cats and donations to animal charities.
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  550. When I notice my brain arguing with itself I often say "blah, blah, blah" to bring myself back. I'm pretty sure that from now on I'm going to see your little sock puppets whenever that happens. 😂
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  551. I tend to be drawn to your channel because you’re one of the few on here that actually offer different content to the usual of channels that offer the same recycled jazz.
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  552. I've been a subscriber for a bit and I also happened to buy my (first) house recently (last month). I didnt go through nearly the stress you did but you're so right that it was such an abnormal environment and constantly one thing after another. I got laid off the afternoon after I signed the offer for our house that morning. And we kept running into issue after issue. But we are really happy and once we are moved in, I know any regrets will feel further and further away. I've read accounts of other people having their house hit by trees or tornadoes the day or week after moving in, or houses burning down the week before closing on a sale, with all the current owners' belongings packed up and burned with it. It is unthinkable to imagine all that can go wrong and you really truly couldn't have predicted it. You weren't a fool, you just dont have the ability to know the future and that's just the tough reality. You have made it past a lot and I really hope once you move, that you will find a lot of solace in it all and recover your health!
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  553. Rick Beato did a video recently where he discusses why new music sucks. His argument is two fold: it's too easy to get and it's too easy to make. As someone in their mid-forites, it certainly struck a nerve. Worth a watch.
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  554. OMG you were so cute as a kid!
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  555. I definitely experience this myself, and it's certainly a challenge keeping myself in check and recognizing I am perfectly fine with what I have today. ✌️
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  556. Nicole, I just adore you! I don't think you realize how fantastic your communication skills are, not to mention how charismatic you are. It's rare indeed and I just love your rebellious quality! You should be on a talk show! I just know you'd make a huge hit!
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  557. You Rock!🤩🤩💖💖🙏
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  558. Well said Nicole. Self deprecating humor is fun, but it can definitely go too far!
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  559. First! Love your videos
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  560. The term "adulting" has always rubbed me the wrong way. It's not really "adulting" when you have to go on social media and brag about doing basic stuff that every grown person should be able to do.
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  561. Congrats on 20k ♥️ You deserve it. A question for your Q&A: What are some of the things you do to get out of a slump?
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  562. Well thought out list of suggestions. Thank you. Keep ‘‘em coming for 2023!
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  563. I’m glad you said it, cause “public relaxation” gave me the same idea! “This is where I grew up”…. You’re great. This is why I watch you! 😁
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  564. So exciting! My guess is you're going with a gray/ white color theme?
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  565. I have worked 3 decades in a competitive business environment. I must admit that I had relative enjoyment for less than a third of all these years at work. I met some very nice people and I have also met absolute assholes. I knew very young that I would want to retire at a young age. I was able to do so at the age of 50. I had accumulated enough of what is called “fuck you money” and believe me, I was able to say to a couple of bosses that if they continued putting pressure and more work on me that I would quit. It felt so good!
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  566. I love the idea of the anti-budget. Also if my income is raised I still keep my spending the same. I started a strict budget last year. My I love your vids
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  567. Glad to be early! Love your videos! I agree with you about notifications. They drive me crazy. I even silence group texts. I could do better at productivity. Always trying to learn new things to improve.
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  568. You are right about landlords especially if they are mom and pop. If you pay on time every month they don’t want you to leave. Some mom and pops clean up the houses themselves and really want to avoid that. One other caveat it’s not just paying on time. If you don’t bother them with phone calls or complaints or stupid repair requests that anybody can fix themselves you have tons of leverage and they will try to keep you as long as possible.
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  569. I ordered the Breville. When I awake, I am immediately glad for two things: I am alive, and now I get to drink coffee. 😜 The vet adjusted my Milo's Vetmedin by ordering one dose daily and working up to two doses daily. He seems to be tolerating the med using this approach. Fingers crossed.
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  570. Thank you, Nicole. Love the idea of having a basket for all tech stuff.
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  571. Thanks!
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  572. My favorite part of Sunday morning is watching your video while drinking a delicious cup of buttered coffee. Life is good. Nicole, Happy New Year.
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  573. I recently subscribed to your channel and am catching up on your older videos and want to let you know how much I appreciate your viewpoint .
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  574. My family told me I have a bad attitude, but I have been able to graduate from college and get a good job. But home Hannah is not work Hannah.
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  575. Very cool, useful video. It is cool that you are careful about your safety, and still able to do this very successfully.
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  576. Please do continue posting monthly. It keeps us motivated too.
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  577. Thank you so much for sharing this information. ❤
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  578. Congrats on 25k! I’m like this with my job! Been with the same company 18 years and if I don’t have a new job within 6-12 months after the last promotion I start to get anxious. Same with my weight. If only I was X lbs I’ll be happy. Thanks for this very relatable video.
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  579. I think back to my once big credit card bills and what I had to show for them and to this day, can only think of very few things I spent a lot of money on that was worth it. Most of it was shit I didn't need and well, I don't remember what it was, so it wasn't important in my life. I cut out so much and am so much happier for it. I am going to keep my cars for as long as I can, and I think that can be many many more years if I take care of them. The new cars are not only too expensive, but they have too many bells and whistles that can go wrong for my liking. Cars are just insanely expensive and so are cosmetics. Wtf. I went into a very nice box store that sells everything cosmetic, looking for lipstick. The one I thought I liked was $35.00. There were some for even more than that, one tube of lipstick. I ended up at the Dollar store (now buck and a quarter store). I didn't find the exact color I wanted, but for a buck fifty, it will do. Anyway, home cooked meals are best, not only cheaper but you control the ingredients. Some of the food you buy today has a shelf like of...several years.
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  580. Recently my sister in law gifted me a spa day and was the best gift ever! And for my one year old daughter I planned a photoshoot in the beach and the sunset with all the family at the end we ate pizza was super fun and relaxed better than throw a party with a bunch of kids that don't care about my baby, definitely experiences are better than things. I love your miniature picture for the video ( well I don't know the exact name ) have a nice day!
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  581. Such great tips….credit card spending can make you money if you have self discipline and pay your card off every single month. I use mine for EVERYTHING and get cash back on each purchase. And I’m pretty disciplined at buying only what I need with exceptions being just that, not the norm. It’s great to get money back on stuff I needed anyway. One suggestion I think could be a number 11 here…it’s super important to know WHY you are saving. Saving is hard today. I’d love to see you do a video on why it’s important to save (aside from saving for emergencies). Sometimes people think what the heck am I gonna save for?
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  582. i am definitely "your people".. tho i am much older, my life and living philosophy has mirrored yours- (i even lived in your city for a few years back in the 90's).. if i may, some advice, if you want to guarantee future income, concentrate on number 4- but yes, first you need to earn actively before earning passively, and the one way to guarantee that is to stay where you are..a place like Toronto will never run dry of ways to make active income, if it did, that would mean everything's gone to shit and it wouldnt matter anyhow.. when you are able to live anywhere you wish, without money worries, that is when you've made it- according to our philosophy.. love your vids.. thanks Nicole
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  583. first comment here, I am from Philippines 🇵🇭🇵🇭🇵🇭
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  584. I’m on the verge of obsessive when it comes to being clean personally, I could never wear the same pants as I would outdoors though. I feel that jeans and pants feel icky after lounging around in them so I’ll wear sweatpants, but they feel far too casual to wear out. The point about not just wearing your boxers in the house though is so true, I always find it weird when people say they don’t bother wearing pants around the house.
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  585. Great video and advice!
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  586. About plants you dont really need to spend money to have a forest in your house. Most of them can be propagated from a leaf or from a branch. Last time i went to a plant shop i literally got some leaves from the floor just to experiment (i asked if i could take them, the clerk thought i was crazy probably) , and now after an year i have a big pothos neon and philodendron + tradescantia for free. Oh also ivy, i dont get it why it's so expensive in shops when you can find it literally anywhere and you can propagate it from a small branch.
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  587. One of your best videos in my opinion.
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  588. Great vid as always, thanks Nicole. I noticed I've already been implementing some of the tips you mentioned like putting the item on a wishlist and leaving it there. The part about everything getting thrown out at some point really made me think about how pointless some purchases really are, and how we should prioritize only those things which matter most to us. One thing I've been doing to cut out useless purchases, as a person who likes crafts, was to see whether I can make those things I saw and wanted to have myself. And most of the times the answer is yes. I might be a bit biased though as since i own a small business i already have some supplies which makes it more convenient to make the stuff I want.
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  589. I’m in my late 20s and I remember when Michael kors was insanely popular and I actually bought the items back then. Now reflecting I wouldn’t be caught dead wearing a bag with the huge “MK” logo plastered all over the bag.
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  590. The "How many hours" trick is GENIUS! I don't have a problem saving, I've never have. It's a game to me and the game is usually more fun than anything I want! My goal right now is to pay down our mortgage, and I'm hoping to reach that goal in 3 years. The son of a friend of mine got his first job and is saving some of his paycheck, but he usually spends most of it on meaningless items like candy and video games. I told my friend that it's most likely because he isn't working toward a goal like buying a car or saving for an apartment.
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  591. Yay! 20K subscribers!! Keep up the good work. I really enjoy your videos.🎉
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  592. I’m feeling it, Nicole, appreciate the honesty and clarity 🤙
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  593. I am so proud of you!! 🎉 congrats, and enjoy the result of all your diligent work from the last 2 years! I discoverd you a couple months ago and saw your channel blow up, and I can’t help but being so proud! YOU GO GIRL! Thanks for the inspirationnal and necessary money talk and minimalist life that makes so much sens! Excuse me if this message is a little bit off, english isnt my first language! Following you from Montreal!
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  594. This is a fantastic video. Thankyou so much for the great ideas. ❤❤❤❤❤❤❤❤❤❤❤❤❤❤
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  595. Another great video Nicole! Great tips. I’ve shared it with my sister.
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  596. Those are all real good ones. I started leaving my phone out of my bedroom. Game changer for me.
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  597. I agree with you girl! Over worked and underpayed. My mom and aunts hoard stuff
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  598. I’m similar to you in that I want my TIME back and unfortunately the only way to do that is to accumulate a lot of money. So I’m on the corporate hamster wheel until I do, I’m hoping to get there by 50 years old 🙏🏾
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  599. I have a regular job and yes, it's not a secure feeling at all!!! I'm constantly looking for what other options I may be able to look into.....yeah. I love your videos Nicole.
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  600. Great intro LOL
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  601. I have only just discovered your channel. I find you so interesting and am definitely going to put into practise your last tip. Every time I spend money on a non-essential item I will put £2 extra into my holiday savings. Thanks for the great idea
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  602. Loved this one!👏
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  603. How can you make this entire video without using the word “capitalism”? This is the central problem of capitalism, at an extreme.
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  604. Spot on Nicole! Thanks 😊
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  605. Im almost 32. I don't think anyone has only one persona (it's like your phone voice), Its perfectly reasonable to have one for work where you may have to act in a certain way and have a certain attitude (not saying you cannot let the weirdness out though and just simply not give a fuck) but when you are not there you can at least in my experience be yourself, who really cares though. Sometimes I feel older and sometimes younger, mainly joint wise but each day is different but there is still no need to grow up and completely change just because you are getting older, I will still be that old guy who's going to gigs, dressing how I want and listening to whichever music I like.
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  606. Fantastic ideas!💡
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  607. Girll!!!! So after watching two of your videos where you talked about amazon, I finally decided to just unsubscribe from Amazon just to see. And you were 100% correct. Those thieves 😂
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  608. I don't believe in New Years Resolutions. I personally think about the things I want to implement in my life and make plans to set up behaviors before I start them. Then it feels more natural than a total switch. But I do it year round.
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  609. Hi Nicole, super happy for you. I watch because I’m interested in the topics but also because you have a relaxing, funny and informative approach. Levi also helps! *raising a glass to the future * cheers 🥂
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  610. I think one important point on the money can’t buy you happiness is to reiterate something you e said before Nicole because new level new devil if your lifestyle creeps with increased income then the same problems and stresses that haunted you at 50k a year will haunt you at 100k and could be even more stressful because of the scale of the issue. But I do agree if you can control your money and have more of it then it can certainly reduce every day stresses x
    7
  611. Want Part 2,3,4!! Thanks
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  612. Ugh relate 100%. When I became wfpb I read a book called "The Pleasure Trap," which, among other things, points out that a quinoa bowl is never going to give your brain the hit a big mac does. It's almost like dietary minimalism. Because once you detox from the consumerist impulses/ junk food diet, you have higher sustained levels of dopamine all the time.
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  613. This is the single most important YouTube video I have ever viewed. Not to mention the most true.
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  614. I appreciate you SO MUCH Nicole. Thank you for these videos. I’m so much more intentional about what I’m doing with my money thanks to you. 🙏
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  615. I love the topic of this video!!!!!! This is perfect timing!!!
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  616. If you wake up in the morning and, by and large, you're happy with your life, then guess what? You're successful. You've achieved an inner calm and can start the day with a clear head. If your one of those people. Congratulations! Your smashing life!
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  617. Great video!! I am glad that the new beam is up successfully and I am sure it will all look great when the project is completed. Every pet parent understands your worries about Levi!
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  618. I quit my very stressful job and took a new role making half what I was....and I'm happier
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  619. Love love love your rant about banking fees❤
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  620. Your videos have inspired me to save more and I'm on my way to the 10k goal , keep up the awesome videos you're an inspiration! 🙏💯💕💰🤑💸
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  621. My favourite is motion is not action because it is very easy to get caught up in this. Hence, I'm working on this one.
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  622. Thank you for this video, i'm taking it as inspiration to laser focus on my goals <3
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  623. Diet Hoarders 😂 I’m dead lol love your humor!
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  624. Stoked for a new video!!!!!
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  625. Another reason being a woman sucks ✅ 💕 Eff pink tax.
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  626. Thank you again, Nicole, for great advice and a rad video <3
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  627. Great video thanks so much
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  628. goes to show that high education is no guarantee of success or intelligence. you have more of both than many highly educated people....
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  629. I like the tip about putting away a small sum of $ for every purchase. I'm gonna try that!
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  630. The homeowner fantasy self is one I recently had to purge items from. Everytime I reach my house down payment goal, illness or job loss ends up using up all the savings and I have to start over again. I only have a 10x10 bedroom I rent so having dishes, pans or the must have furniture piece for "someday" takes over the space I need to live my life now.
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  631. Omg, house plants be warned. Thanks for the ideas❣️
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  632. Also, the wait staff in the US tips out "the back of the house" for helping them get orders out and tables cleaned. Faster service means more tables and hopefully more tips. The cooks and other staff also make shit wages and count on a oil tip money. Also, if tipping cash, a lip less is fine. When tipping by credit/debit/check,etc. tip more because now they HAVE to declare those tips as income and they get taxed on it. Yes, I know its illegal. Fuck it. Until the US works for The People and not The Shareholders they can suck it. Really nice restaurants only pay the Chef (notice I didn't say cook) well. Maybe management gets paid well. The servers are not paid well. They count on the % based tips to make a living wage. Your rebuttal to all of this is correct but tone deaf. If you think these people can just get another job, its far more complex than that. You also know that prices are somewhat set by market demand. A nail tech can't reasonably set prices far above TBE common price. I'll agree tip culture is ridiculous. It's not the person being tipped that's the problem though.
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  633. I am a minimalist, slowly going in the direction of extreme. I LOVE IT! There is nothing about it I DON’T love. I agree with everything you said.
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  634. Another great thoughtful, thought-provoking video. I totally agree with your assessment that we probably don't use 90% of the things we have. Pareto was way too cautious with his 80/20 rule!
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  635. I’ve been Vegan for 16 years. I started out on a plant based diet because of high cholesterol. I rapidly morphed into Veganism because of animal welfare and being disgusted by flesh eating. We don’t all start out for the animals but I thing a fare number of us see the light after abstaining from consuming animal products.
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  636. Great tips. I guess I'm better off than I thought.
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  637. Happy New Year Nicole & Levi🥰
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  638. If someone on the internet says it, you know it's true! Bon voyage Levi!!! 👋
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  639. I don't normally comment but I just wanted to tell you that I LOVE how real you are.
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  640. Thanks Nicole!! I switched over to Mint from Verizon in January. Well worth the savings!!
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  641. HAHHAHAHAHAHAHHA loved the intro. Yup, all fake😂😂
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  642. Such an upgrade! It look absolutely beautiful.
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  643. This video hit me hard. Thanks a lot for this video. Really underrated channel.
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  644. I didn't see an ad. Love the transparency here Nicole! These types of videos are fantastic.
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  645. totally agree and love the way you broke things down in this video! i don't want to follow some rule on what is ultimately a personal practice for me. for me I don't ascribe to the aesthetics of minimalist (as a style at home) i just love not having things to manage so it helps to constantly declutter and streamline things for function etc. great vid!
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  646. I always say if I go through a self checkout, I want an employee discount.
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  647. Googled 20 Celsius and was like whoa! 68 Fahrenheit, I only turn up to that when family visits lol. If it’s freezing out or below I’ll turn up to about 65 from 63. I have what I call a wizard robe, basically a blanket with a hood on it. We also have discounted electric on evenings and weekends which is when I wash clothes and hang dry. I also unplug everything when not using. My fave ways to save money plus reduce plastic are by making my own products like dish soap and shampoo from soap nut berries, cleaners from vinegar, lotion and shaving cream from shea butter and coconut oil, using magnesium balls for laundry. Awesome tips let’s all keep playing this fun saving game together 🌱💚✌🏼
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  648. Sounds like a great plan! Thanks for sharing!
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  649. Make this the Best Year!
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  650. Great message.
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  651. "Save me Jebus!!!" I haven't seen that clip in years and it made me snort-laugh.😋
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  652. Hey Nicole, I've come to look forward to your videos :) Bringing great info in your own special way!
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  653. The reason college degrees are useless is because the faculty consists of ancient professional academics, who never had any experience in the work place. I had to go back to school after my employer made my promotion conditional on finishing my bachelors degree (they paid for it, by the way). Oh boy. The professor teaching systems analysis class was at least 70 and the drivel coming out of his mouth was ridiculous. When I pointed out that we use agile development now and not the cascade methodology he was going on about, he just got mad and started calling me names.
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  654. Sorry to hear your plans did not work out, the housing market is insanely overinflated. Keep your hopes up even when things don't work out because you will reach your goals eventually its all a matter of time. Here in the UK people are purchasing beginner homes (two bed attached) for the price of a forever family home (three to four bed detached) and don't even get me started on the price of bungalows, so it here it feels like unless you can purchase a house outright with no mortgage and no chain you don't stand a chance. Thank-you for showing this side of your life its nice to know that there are others in the same boat as yourself. Hope you find your forever home soon!
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  655. I joined Mint Mobile last July after Nicole advertised it. I was already on T-Mobile. Mint Mobile uses the T-Mobile network infrastructure so its the same network, just a cheaper rate because they lower your priority on the network. I haven't noticed much of a difference in practice and I pay $20USD/mo for cell service instead of $75 with T-Mobile. Its a good deal.
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  656. I hope you continue to inspire young people. Thank you.
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  657. I have never had a TV in my living room my entire adult life, I'm 52 now. My son and I were just discussing this, bc all of his friends do. I just don't watch TV, I can't sit still for long, and it's an eyesore. I just watch short videos (like yours) on my MacBook
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  658. Another great video! Definitely good idea to leave the phone behind at times, turn FOMO into JOMO!
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  659. Another great video, thanks! Space Karen is the perfect name for Weirdo Musk!
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  660. Another awesome, spot-on video! I agree with the earlier comment that you should treat your neighbor's curiosity as a compliment. It just means that people notice your financial savvy and growing success!
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  661. Nice background, Nicole! Looks very complete.
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  662. Yeah, I’ve never been able to understand why anyone would choose to not shower daily as well as brush their teeth and hair,etc. It’s basic hygiene and I’d feel absolutely gross if I didn’t do these things everyday. It don’t really understand the pants thing, either. Just wear comfortable pants. 🤷🏻‍♀️
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  663. Thank you for these words. ❤I just love your videos they are the cold truth and that is so refreshing to hear these days. I also love how you get to the point. Thank you.
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  664. I think the pandemic made me even more minimalist than I already was. Sitting around the house looking at the junk made me want to get rid of it, not buy more. Facebook Marketplace porch pick-up was a great thing to come out of the pandemic. I’m sure they already had porch pick up but I didn’t really think about it before the pandemic. I used to meet people in parking lots when I was selling something. During the lockdown I went full ham on my house and garage and I still find things to get rid of. I don’t know if I’m an actual minimalist as a rabid minimalist would describe it. I just don’t want to have a bunch of things that I don’t use and don’t serve a purpose, if it’s sitting in a box in the garage for 20 years, why own it?
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  665. I did indeed work low wage jobs from 17-24. I saved $100k over that time. I then bought a small townhome pre-covid when I was 26 before prices were too crazy. I'm 31 now and I make a more reasonable/average income nowadays. I sold that townhouse to roll the equity into this one. I would be 100% priced out of the market if I was a first time home buyer today, but things were very different a few years ago. Everything I've ever stated on this channel has been 100% honest.
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  666. Been thinking of doing this for awhile. Trying to decide on a niche. I have interest in a number of areas. Great video! Thanks! Yes, would love more videos like this! Merry Christmas!! 🎄🎄🎄
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  667. I love You! You say what we're thinking out loud, keep it up.
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  668. I did not know you were vegan!! You're amazing!! Fellow vegan here, literally every tip you said was so damn relatable.
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  669. I’m working on letting go of control too. I have a special needs child and I constantly worry about her future, I’m working on letting go and acknowledging I have no control over that
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  670. Great video as always Nicole. So many people attend college with no real direction and end up in debt working at a job that has nothing to do with their degree. Your videos express what I think about many different subjects with is so refreshing. Cheers from Texas and have a great day !!
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  671. I love Levi, and I love how well you take care of him!
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  672. I do not think that I could do this, I cringe when I miss out on getting those points/ kick backs. We also charge as much as we can on to the credit cards through the month but pay it off once the bill arrives.
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  673. I almost did but then all the stupid games / wheel of fortune popped up and I just thought 'ahhh f*ck this' and came out of the site 😂 Sending love to you & Levi from Warrington, UK ❤
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  674. That Tom DeLongue line hahaha, I remember when I was a kid it was just a "funny line from Blink 182" but now almost 40 I get it, work sucks.... and I know. :face-fuchsia-poop-shape: But I told myself as you did, "there has to be a better way" and now I have different sources of income and I don't feel pressured by the reality of my 9 to 5 job, it hits differently when you have a regular job "just because you want to, but not because you have to".
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  675. In the short time i've been a subscriber to your channel, this is the best video of all of them. i enjoy all your videos but this is my favorite. on monday, i'm going to the library to see if they got or can get this book. Thank You for making this video.
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  676. Great video. I pick up extra hours at work and fill in 2nd shift when needed. It's an easy way for extra cash.
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  677. Great content as always!
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  678. A pair of jeans used to last so much longer. I remember when I was a kid, you had a breaking-in period of every new pair.
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  679. I really do adore you, Nicole! You've got more personality in your little finger than any celebrity alive! It's the way you say things.
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  680. Naturally artistic people dismiss lines, we dont limit ourselves to colouring within the lines. Why would we? Nicole, come and join us : )
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  681. Subscribed, you’re amazing 💯love your videos
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  682. Binging all your content today ❤
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  683. Levi barking at the door is sooo cute :)
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  684. Another great, informative video, Nicole, thanks!
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  685. Very useful but difficult stuff. Thank you. I need help acting and following through on fairly good plans. This is practical help towards meeting my needs. Thanks again.
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  686. Plastic bag bans are another tax on the poor, forcing them to buy reusable bags and small plastic trash bags they used to reuse the plastic shopping bags for (which the poor, by definition, cannot afford). As for the pink tax... very few men are going to care if a woman uses a "man's" deodorant or "man's shampoo"; at the end of the day, most men are really not that particular. As long as woman doesn't have a "men's locker room" smell, most won't even notice what scented products a woman uses.
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  687. This is exactly what I have tried to tell my children. But like you (and like myself) sometimes it doesn’t click until you get a bit older.
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  688. Faith is fairy tales, grow up.
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  689. I agree with you 100% about your discretionary funds. When I use my credit cards I pay them off monthly!! If I can't I won't make the purchase. I'd rather go to a concert or a show than eat out . If you love doing something don't deprive yourself try planning ahead for it so you'll have something to look forward too. I always keep an emergency fund at the house. I know it's there and it offers me peace of mind. I hope that younger people learn these lessons early so they can have the financial future they deserve. I think it's disgusting how they are preyed upon by credit card companies.
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  690. This 100% all day, everyday! Loving your channel, Nicole. You’re so right on, intelligent and no bullshit—love it!
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  691.  @rich2209  Nah
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  692. This is a really interesting video many people have no idea how much they spend and wonder where there money as gone. I try and live on £400 a month, my utilities cost £200 and £200 for foods and petrol + odds and ends. I draw cash out for my daily spending as I see it disappear so are more conscious. I have no rent or mortgage to pay as I have bought my house. in the UK a big proportion of people's spending goes on rent or mortgage.
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  693. I never do a real budget but then again I'm not one of those who has a toonie in the bottom of my pocket that it needs to be spent. I cannot imagine living pay to pay all my life!
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  694. I say this a lot, but it's true. Your home is lovely, Nicole! :-) You have made some very valid points. I need to find my tribe that thinks more like you.
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  695. I do cleaning 🧹🧼🧽🪣for my side hustle good $ in cash 😊 700-800 a month.
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  696. Gorgeous kitchen i love it! You girl are the bomb and so on point about minimalism....
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  697. you are so inspiring Nicole
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  698. Congratulations from the Netherlands! I really like your personality and your content !
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  699. I used your Better Help link. Then this morning i was watching a class from a few days ago and they talked about a waking light. So I bought one. It arrives Thursday.
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  700. Jordan Peterson self help books are great fire starters and paperweights. 😅
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  701. You owe me a new keyboard. I spit up my coffee about your opinion on banks. I agree totally. Love your videos and socks. 😊😁
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  702. I am literally bingeing my way through your channel, I love watching your videos. You seem to be pragmatic and to the point. The Simpsons snippets are hilarious. While I'm at it I'd suggest for you to have a look into French existentialism as opposed to nihilism (which you mentioned in one of your previous videos) as I think existentialist ideas might also correspond to the views on life you described. Just in case you haven't done so already. Makes for some interesting reading and conversation (I recommend Albert Camus' “The Stranger”, this book changed my life and I never say that about anything). Sending love from Germany, keep it up!
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  703. Congratulations Nicole. I'm truly happy for you. This is just the beginning.
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  704. I'm so sorry about Levi. I hope all goes well with the ECG and with the dental surgery. It really does suck to have anxiety as well (as someone who's a cancer survivor with LOTS of trauma), but there are people here with you in spirit. Hope you're taking good care of yourself, as much as you can. :)
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  705. Such a god way to look at your budget. It really is all in your mindset. My budget used to look like the first budget you showed. Then after reading Rich Dad Poor Dad I knew I needed to pay myself first and put savings in the top part of the budget. I still fall back now and again but it did help and allow us to buy our condo. Now back to prioritizing savings again for our emergency fund.
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  706. Best sleep is when there is no alarm clock
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  707. I've been saying for a long time now that we have way too many choices for entertainment, especially when it comes to streaming services. At first it was just Netflix and Hulu, but now every major studio or network has to launch their own streaming service. When you have so many options, it becomes exhausting and time consuming to even just make a choice. When I was a kid I didn't have that many video games, but I spent way more time playing the few games I had. Now as an adult I have way more games than I ever had as a kid, but spend way LESS time actually playing games. Sometimes less is really more.
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  708. James Clear's advice to just turn up, just start, put the timer on your phone for 10 minutes to get stuff done even when you are feeling terrible. You can give anything that amount of time helps me. Sometimes I put a particular song on and say I will just ( say) do the washing up for the duration of that song. Thanks for these - a good compilation of suggestions put in a non nagging manner.
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  709. Just here for Levi. JK but not really
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  710. I do the majority of my own renovations, but when I DO hire a contractor to do work in my house, it gives me some serious anxiety. That beam looks great! Looking forward to how it all turns out 😍
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  711. I wish you were in my life a long time ago. I sure would have saved a lot of money However it’s never too late👏thanks Love visiting with you🥰🥰🥰
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  712. The fact that this series is still going shows how much Bullshit there is. But on the plus side, also how much potential there is to save money and be free. Great video 🫡
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  713. Very wise advice! Now if only I could go back and restart my life, oh the things I would have done differently. Keep up the great messages. You will help a lot of young people.
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  714. Listening to this in a coffee shop in Florida. 😂 The dude next to me would like some pics of Levi's paws .😮 😂 And I have a pet business looking for collaboration. Only paws , sounds like a million dollar idea ..let's talk 😉.
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  715. Don't know why I enjoy watching My 600lb life so much! I want them to overcome their obstacles and it does make me feel better about myself : ) Great video!!!
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  716. Raised my rates. Thanks for that, and as you said, if you’re doing a good job, they won’t mind paying the small increase. Thanks!!
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  717. This is the smack in the back of my head that I needed 😂 I appreciate you for this 😊
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  718. I feel your pain, and I shed many tears for you both while watching today. The world really sucks sometimes. Who am I kidding, the world sucks a lot of the time. True love eventually comes with loss at some point. I'm so sorry...but also I hope for the best news for you about the little dudes health. Peace to your heart ❤
    5
  719. You’re like the friend I’ve always wished for ❤❤
    5
  720. Great content; you inspired me. Thank you.
    5
  721. We pay a price for everything. Some would rather pay the price of being in debt and working themselves to the bone just so they can look rich, and others would rather live small and outside the herd, but be financially free. Happy to be part of the second group, but hey, to each their own. PS: Did you know people binge watch your videos? I know I'm not alone! Your channel is pure gold, and the cozy warm light background looks great on camera. Keep up the good work, we love it!
    5
  722. Thank you for sharing this. As someone living alone and planning to move to a new place, your points here made me realize what to think once I move. Also, just want to say thank you. I've been a fan since I've watched your video about your YT journey. I just started mine this year and you've inspired me so much in my Living Alone vlogs. Thanks for your honesty and for being real, which are the reasons why I love your vids so much. Stay healthy! Sorry for the long comment 😭 Luv from Philippines. 🫶
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  723. I only have one stream of income and one big client, the level of work I do for them doesn’t leave much time for anything else, but it worries me a-lot. I am interested in readying everyone comments to learn other ideas :-).
    5
  724. Nicole, do I see that the new couch/sofa has arrived and has its own doggie blanket for Levi.
    5
  725. I got my first guitar and amp from Sears.😊
    5
  726. Great content as always; happy birthday Levi!
    5
  727. Congrats on reaching 100000 subscribers !
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  728. IMO, the supply is limitless.
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  729. Congrats Nicole! It is great to see your channel doing so well and it is very well-deserved.
    5
  730. I know this video is slightly old but I thought I'd let you know that I do indeed like the vlog format. You asked 😃 I'm watching all your videos tonight because I find them soothing I guess. Congrats on the camera. I'm going to look now and see if you ever finished your challenge.
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  731. You are not wrong, it's all about making money and making people feel like they need to keep up with the Jones's. Technological advancements is all good but it does have diminishing returns like everything either that or we just become more desensitised.  I personally think the main thing we can do is to simply use whatever item we have until its last legs then upgrade to a newer versions of whatever item, but really if you just feel like changing things up then you can do as long as its not every time again returning to the trap of the Jones's. Great video, look forward to next week!
    5
  732. New subscriber here, already watched all I can watch on minimalism, I just very much enjoy your delivery.
    5
  733. Catching up on old videos. Liking and commenting to get you to 20k! 🎉
    5
  734. I love your channel. I’m moving over to Canada from Europe in March 2024 so I’ve been watching a lot of finance type videos, great!!
    5
  735. I LOVE CHUCK P!! One of my most revered possessions is a signed copy of his book Snuff that says, "To Stacie-who knows how to have a good time" 🤣🤣 It's like bro how did you know??? Also do you remember the old ass NFG DVD? I mean obviously you'd wanna be in that band "cat pissed on my sleeping baaaag"
    5
  736. Wow, Levi is so good when getting his nails done! 💅 This type of content is great!
    5
  737. Soul burps lol!
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  738. Yep! Minimalism = Freedom! (Lean-Fire, simple living, and minimalism) "Your Money Or Your Life" ...and Avocado sushi is good!!
    5
  739. amazing video!! i'm shocked you don't have thousands of subscribers wtf
    5
  740. I love seeing these types of videos from you Nicole! Now of course I do love a good scam video also, but a day in the life is always fun to see. I also live in Toronto, but I rent, so my monthly expenses are a bit different. Thanks for taking us along for your week!
    5
  741. This was so helpful! Thank you!
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  742. This is my favourite kind of video!
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  743. You just described the problem with capitalism.
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  744. I liked this video before even watching it , I am bing watching your videos ❤❤❤ love you and keep going 🎉
    5
  745. Thank you Nicole! Sounds very inspiring!
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  746. I would tell anyone in their 20s to invest consistently in an SP500 fund! You’ll do great long term!!!
    4
  747. I started a handyman business and it’s been glorious! Being my own boss is a feeling of empowerment like I’ve never felt before. Let’s hear some of your music!
    4
  748. Love this video. Amazing side Hussles. You are as awesome as you always have been. Thanks for sharing your strategies for success.
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  749. Drawing and painting, even though it is more of a career for myself it is a great hobby for anyone. It may be hard at first but if you separate the bad instructors from the good then you can learn it all for free. It can also be a hobby you do with groups as you mentioned in your video, life drawing sessions are always a good way to meet like minded individuals. If there are no groups in your area you can always do it with your friends and just take it in turns.
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  750. You're so much fun that all I have to do is see one of your videos available to change my mood way for the better!
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  751. Thank you for this video. You’re absolutely right, but I hadn’t thought about it. Thank you for the inspiration!
    4
  752. I really love your videos. Thank you
    4
  753. HI Nicole. Good show. I totally agree with you. You hit all the points. My main problem with tipping culture is the business' shifting of labor costs onto the customer in a scammy way; leaving more profit to be divided up by the executives/owners. Like you, I eat out waaaaay less often now.
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  754. Well done on this video ❣️ it is depressing. It makes me hate our world. And feel guilty for profiting from investments that go to these firms. But unfortunately that's how investing works. At least I can try to use my money to go to small scale local businesses instead. But even those businesses are tied to the big companies. It's impossible not to be. Supplies need to be bought and small businesses especially need to find the best price. It's very intertwined.
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  755. Oooo, so close to 20K!! If I could subscribe twice, I would. You're terrific. And Levi is a darling pup. 😘
    4
  756. Great video! I am definitely a fiancial minimialist, and I definitely don't have the value of having new impressive things to make me happy. I see my time as the most valueable thing, and like you I feel like the less I need now the more I'll have for hopefully retiring earlier, or some version of financial independence. I also don't prioritize making money over having a job I can stand - just doesn't feel worth it to me to try to be some high powered corporate person. I see myself as an investor - I invest in creating a secure cozy home for myself, in investment accounts, and also if there is something I truly want, I'll buy it. I simply focus on not wanting things for the sake of wanting. I also am in this buy nothing group now and I adore that. If I get something from that I end up not loving, I can simply give it back again in the group. A perfect compliment to my financial minimalism. Definitely I'm a weirdo to those around me. Crazy like a fox, I say. :)
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  757. 😂😂😂 nothing but facts! Lol
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  758. Nicole you have got to stop being so hard on yourself!!! You are a very accomplished young lady, I am so so impressed that you saved $100k by the time you were 25 - how many people can say they’ve done that?! I have been enjoying your videos immensely. Levi is so adorable! I hope you come to love your new house and cabinets, and I pray you can forgive yourself for making mistakes and let go of your attachment to your old home. We all make mistakes, it’s just part of life!!! Thank you for making inspirational content, and for giving me a chuckle too!
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  759. Now I know why I love your videos so much! Lol... I carry a hemp passport bag. It holds my phone, a hanky, some cough drops, my meds, a slim wallet much like yours, and I hook my keys on it with a carabiner. That way I can access the lock button for my car when I am carrying large items that I seem to constantly be hauling in and out of my car. I LOVE the tip about extending your pockets and I would totally do that if I wore jeans or slacks. I have just 12 pair of the same capri pants for summer and 12 pair of the same long yoga pants for winter. Therefore I carry a "pocket".
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  760. I agree with you. I think many times when I buy new stuff.
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  761. This channel has me addicted to investing. Just putting the ideas & possibilites into the forefront.
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  762. Please do more content like this.
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  763. Oh Nicole, the kitchen looks fabulous. You did a great job picking out all the things, even the 'wrong' cabinets look amazing. Funny thing is, I just discovered your channel a few days ago, and although I could have watched this reveal back then, I've been making myself go through them in the order they were posted on YouTube, so the anticipation has been building! Yes, I'm weird like that.
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  764. Mostly Intentional spender. Rarely spontaneous. 😂 (the spontaneous are on clothes/shoes/bag) I’m 26. I try not to spend money on the look. But sometimes I just want to dress up, feel better. Don’t want to feel like I don’t know how to dress up myself, like a high school kid, especially when going out with friends. How did you get over these feelings? Thank you so much for your content though. It made me feel less alone in this capitalism world as a young adult.❤
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  765. I really enjoy your content! Adopting a minimalistic/frugal mindset has set me free.
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  766. I'm retired now. But I worked my butt off for 20 years from when I was 18. People always think I'm lazy now because I'm not doing the hustle now. Yep... people say ahh... The privileged! Urgg I just smile and walk away. But sometimes I feel guilty and feel wrong too for not working anymore. I totally get it. But we have to do what we need to do.
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  767. I think you’re a rockstar. 🙌🏻🏆
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  768. You live, you learn… for what it’s worth I did something stupid with apartments back in 2011, ending up selling the place after 1 year with a 20,000€ loss on my side (I bought with my ex-partner). I always had the feeling that buying that apartment was a mistake, but followed the flow and proceeded. We sold because I got a work opportunity abroad. I returned to my home country in 2016; I rented a few years then I bought my current place three years ago in cash, a 43m3 studio, not perfect but good enough. It is difficult to be happy if one is an overthinker I find.
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  769. She is kind of annoying.
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  770. I'm 31. Owned 2 cars and never had a car payment. My first car I got at 17 was a 2003 Chrysler Sebring for $1700 from my dad's co-worker (with money saved from work and savings account). I drove that car into the ground, even spending like 2k on a transmission as a last ditch effort. Then, the second car I got when I was 22 is a 2015 Jeep Patriot for roughly $15k. Not gonna lie, my husband helped me pay for it, and I put down all I could, but never had to take out a loan! It's still going strong! If I had to buy another used car at the moment, I could also do so without needing a loan.
    4
  771. Love your videos. Thank you.
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  772. As a registered dietitian, I appreciated the Mick pukes🤣🤣🤣
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  773. Love, love, love your channel ❤
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  774. I am so excited for your channel!!
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  775. Howdy Nicole, I found your videos last week and have been watching while I have lunch/coffee, great stuff! Thanks for sharing
    4
  776. Nicole, congratulations!! I have always been curious about what a YouTuber makes and your explanation was easy to follow. I’m proud of you for taking such initiative with all of your side hustles along with your full-time job. You deserve it, you are a hard worker!! Thank you and keep up the good work. I always look forward to a new video. I had a lot of fun going back and catching up with the old ones.😊
    4
  777. I was thinking about cancelling Prime for a while because while I don't have a TON of stuff, I have a very small home, and a spending issue. After listening to many of your vids, I decided to cancel! You are totally right. Even if I don't have a car, I can be intentional to make sure(for example) that I don't run out of pet food or allergy meds, even if it takes longer to deliver it.
    4
  778. you are so right! I would also add the increase of self-esteem, which in turn affects lots of life areas...
    4
  779. 😅😂 I love how you talk shit. You be telling the damn truth 💯.
    4
  780. Costco's frenzied atmosphere gives me anxiety. There are some interesting articles about the psychology of Costco and how they lure people. I'd recommend washable pee pads to protect the new couch if needed, but hopefully his issues will be cleared up by then. I have the same mindset as you when it comes to my pets. Congrats on the subscribers and I'm looking forward to next month's experiment.
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  781. History Note: Even tho there were challenges, women have ALWAYS worked throughout human history! It’s just we weren’t allowed or were discouraged from working lucrative trades that men worked (doctor, lawyer, banker, etc.) but there were hardworking women in many jobs and even successful businesswomen. My great grandma worked in a WWII bomb factory and post war became a manager at a facility (not the propaganda ideal 1950s stay at home mom). Women worked as maidservants/scullerymaids, farmers, in factories, textiles/seamstresses, teachers, nurses, secretaries, writers (tho sometimes anonymous to hide that they were a woman) and gross poverty jobs like picking up poop to give to tanners. Yes there were laws/restrictions at a point in history on credit cards and bank accounts… but that didn’t stop us! Women always found a way to make money and tuck it away “F you to the system.” I’m the first lawyer in my family and am kind of a history nerd esp with the often untaught history of peasants and women :)
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  782. 🤣🤣🤣🤣🤣🤣💩💩💩💩💩🤣🤣🤣🤣🤣 you’re hilarious. Great video. I upgraded the year from the iPhone SE original to the iPhone 11. I have enjoyed the new features and the battery life. When we upgrade we never get the newest, always a year or two behind.
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  783. I love Sundays because we get a new video from Nicole 👏❤️
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  784. the last tip is probably most the quickest one to save money if you shop a lot. that's for advice Nicole!
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  785. I really like the night time setting! 💡
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  786. Yes to Number 2 - tracking my spending was a huge game-changer for me! I also always use my credit card like it was a debit card and never payed any interest (even though we don't have such as thing as a credit score in Europe).
    4
  787. This is all really good advice. As a reseller of many used goods, a good piece of cast iron and anchor hocking products retain value and can even increase in value. I am going to look into those water purifiers for my kids who live in town and have city water. I have a well and love the taste of my water. Apple air pods have changed my life. I found a pair or I wouldn't have any. I get so much done with them, they sound amazing, and far outpace the 10 dollar bargain Bluetooth earphones I was buying. I'm sad about the future money I will definitely spend when they need replacing. But I'm keeping my keurig. Lol. It keeps me from drinking a whole pot of coffee. One thing I got that I highly suggest for the coffee lover is a milk frothing appliance. About 50 bucks. That's a few Starbucks trips. It is nearly instant, easy clean, no waiting for steam, and converts a plain cup of joe into fancy coffee. I got my whole coffee apparatus for Christmas and wouldn't have spent the money myself, but now I love my daily coffee time so much I will replace these if needed.
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  788. I felt so called out in the best way by the minimalist definition at the end of this video! Yes. I am a minimalist in so many ways despite the bright crazy colors and owning 30 pairs of cute boots (part of my rich life). Love your content.
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  789. Thanks!
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  790. Your perspective is so unique, every video of yours is so eye-opening to me! Thank you so much!
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  791. "Don't Buy A Turd"...words to live by! 😆😅🤣
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  792. Nicole, I wish we didn’t have to wait a week for vids. You’re incredible girl.
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  793. I'm a budgeting fiend and have worked a bunch of various jobs with razor thin budgets involved in various parts of my local food economy that really set me up for doing it on my own well, as well as how to eat well monthly on <$200 consistently. However, I am also a complete dumbass who makes stupid impulsive decisions that are the true culprit of my financial troubles, the latest being a super expensive coding bootcamp i had to take out a loan for before realizing that I have no desire to spend any amount of my free time learning something I don't really care about and wouldn't really make my life less stressful. Wish I found your channel earlier, Nicole, however I'm less of a dumbass now so I'm grateful I found it at all🙏
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  794. I love the way you look at things. You are wise beyond your years because it usually takes some reaching their 40s-50s before they realize it does NOT matter what other people think. You have been given one life. Do what you want to do with it and live it how you want. I find your videos refreshing. I also love your sense of humor. I find myself smiling or laughing out loud. Keep it up. You are right on point!! Happy new year!!!
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  795. Hi Nicole, the first video I watched was indeed your home tour. I think your video “I have a bad attitude” is pure gold. Happy YT anniversary! 😀
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  796. Well done. Great work.
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  797. I don't live in an empty looking house like yours but I do get less joy from things I buy, as well as stressed over what I do own.. Being frugal and being minimal is not always the same. One can be minimal yet still spend all their money on eating out, services they could do themselves if they only had the tools, or travel. Still, one can be paired with the other with intention. Being minimal is living with everything that brings you joy and nothing that doesn't. Being frugal is about spending no more than you need in order to get what you need. Now this is all great with intention, sadly with places like Toronto being frugal is a matter of survival as housing and the cost of everything goes up,. We live in a time where a frugal living person can have a decent paying job and still not be able to save anything, I had a 52 year old say he made $3.55 when he was 15 but minimal wage here is now like $13.00 so we can see that from 15 to 52 minimum wage has never equaled the cost of living. The only sign of a healthy economy is when people can buy what they need, and buy some wants, and put money into a savings account. Clearly the government doesn't want that to happen.
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  798. Very interested in YouTube monetization please I'm so happy to see your growing steadily. You deserve growth. You add value to YouTube and especially to your subscribers.
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  799. a comment to support part 2 :)
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  800. Great video! Comments very entertaining! 😂
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  801. I’m currently saving for a home down payment and it really scares me to be a home owner especially in an extremely expensive city like New York City. I will have a hugeeeee mortgage I’m responsible for and me losing my job can lead to my financial ruin because I have this ridiculously expensive mortgage to pay. I’m trying not to overthink and just take it one day at a time.
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  802. I always find your videos inspirational, thank you
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  803. A lot of money provides a very comfortable life so even if you are experiencing a difficult situation you get to 100% focus on the situation with no financial worries.
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  804. Yes, please make more of this content. Really like how you bring the message...
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  805. I’m getting ready to buy a condo and after we settle it will be back to rebuilding the emergency fund. My goal is to finally stay put for 5 years or more and make progress on saving and investing. It took me a lot longer to grow up than you 😅 thank you for always being positive and motivating.
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  806. Hi, love your channel it’s definitely lit a fire under me, I canceled all my subscriptions that totalled about $85 except two Netflix one screen that I’ll have for another month and stupid Apple 2TB that I pay for but 80% of it is pictures/videos/screenshots so I’m working through those. I’m just wondering what banks have no fees that you recommend I’m in Toronto as well.
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  807. I was waiting all week for your video!
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  808. I'm so happy you made this. While I have been aware of planned obsolescence since the early 90s (when my hair dryer or curling iron broke),I I noticed jeans specifically started having problems in the mid-2000s. I would wear out a pair of jeans with the same holes in 2-3 months and they said it was because I was fat. You clearly are not fat, so my theory that the fabric was bad holds. My shirts became misshapen as well, even loose tees, again my weight was blamed. I have been a variety of weights since 2000, and have steadily noticed quality becoming worse, maybe it is because I rarely buy clothes and shopping every 3 years instead of every 3 weeks causes things to be glaringly obvious. No matter, you as a slender and fit person having the exact same problems clearly shows it wasn't my weight or my mind, but rather the gaslighting of the fashion industry.
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  809. This video was worth my time! Thank you, Nicole!
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  810. I always got a BAD headache when I walked into thrift stores. I realized that the ones that were kinda smelly or had a strong gym like scent didn’t really have good items. Now I try to stick to boutique like thrift stores. There’s one near my city and it has expensive and appealing clothing for $1-$10 and smells clean. Some Value villages here in the US also have nice things.
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  811. Absolutely love your content! Also in Canada and you are so spot on about costs here.
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  812. Every time I watch, I press the Like.😀
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  813. Levi says hell no he ain't gonna go.
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  814. Yes ! I love this. I worked at a job I hated for 2 years. I was paid commission and when we didn’t have clients my boss expected us to stay and clean UNPAID. All my coworkers and management would say I had a bad attitude I said no, I do not volunteer here. My time is better spent with my children and my husband why would I sit here cleaning the same shit over and over for free ? My coworkers would say well maybe you’ll get a walk in, everyone else started our waiting around that’s the risk you take in this industry. I said no, that’s illegal to work for free and unless you’re paying me to clean here I’m out. And I would never stay, everyone thought I was nuts but I don’t care. I wasn’t super liked and I never received perks. But neither did the bag lickers who did everything. I’m so glad I up and left.
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  815. Enjoy your content. Have a good week.
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  816. Hi Nicole 🤗 Your videos always make me smile. Thanks for that! I would say I have 3 streams of income - my main full-time job and investments and bank account interest. Once I'm retired (soon!!) then I will have my work pension, CPP and OAS and investments - I would consider all of these passive income streams since I paid into them and now they will generate monthly income. I like the idea of buying and reselling for a profit. Maybe I will do this with cycling stuff. Would enjoy seeing a video on YT income if you want to do that.
    4
  817. Yes I do work with my hands and had to threaten to leave in order to get a cost of living raise this year! It's an employees market! There's 3 job openings for 1 qualified worker so now's the time to make a move!
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  818. Great video as always, Nicole! We may live on different parts of the world, but this flexxing hard is so typical here as well. People taking on lifelong debt just to have that house with white fence and that Mercedes/BMW rolling in. Even my well educated colleagues are no exception. And they always have to have the brands written on their clothes, too. On every single one of them. And who cares. No one's impressed actually, most of other people either don't care or laugh about them.
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  819. Omg you are so on point!! Ugh society sucks buy this get this etc ... minimalism is wonderful ....
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  820. Merci!
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  821. Love this idea and I'll definitely watch future episodic adventures in this series.
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  822. Very cool video. I liked the vlog style. I have things I want to sell as I continue to downsize. You’ve given me motivation.
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  823. Imagine being a immigrant lol
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  824. Lot's of money also buy's beautiful memories, period! It makes EVERYTHING better! No worry about housing cost's, about rising food & gas cost's, no worries about insurance, money is SOOO the real god of this world that even god wants as much as he can get!( lookin' at you Ken Copeland & your cronies). Like Elizabeth Taylor said: "Those that think money doesn't buy happiness don't know where to shop!"
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  825. Smashed Like Button
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  826. Congrats from one of your early subscribers! It is wonderful to see your channel growing so well.
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  827. Thanks! Comments below.
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  828. I love your videos! ❤ Not to sound weird, but I wish we were friends 😅 and could talk in real life because I relate so heavily to your interests and opinions! My remedy to this issue is like yours— make things an occasion, be present in the moment, slow down, and simplify things. In certain instances, I even try to do things like we did in the “old days” if I can. For instance, when my favorite musicians release a new album, I buy the physical CD (I love to listen with my Sony Walkman from the 2000s, which still works perfectly!😁). Like you said, an album needs to be heard and appreciated in its entire context— like a symphony. I love all of the points/reminders you’ve brought up here and would love a part 2 that expands your thoughts even further if you have more to say on this topic! 😊
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  829. Pets are so NOT a waste of money. Aggressive capitalism that weighs people down IS a waste of money. I'll never ever view my dogs as a waste of money. Expensive? Yes. A waste? Absolutely not.
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  830. 100% agree. I got a Masters degree (and double Bachelors), studying in 3 countries mind you (France, UK, US) so I was perfectly bilingual, only to not be able to find a single f*** job in my field in the US (adding to it the difficulty of getting a work visa). I moved to Canada and had to work almost 3 years at minimum wages as a marketing assistant to finally have relevant experience on my resume, while taking online classes nonstop to learn actual technical skills my degree didn't teach me. After that it was another 2 years at a slightly better job (but still massively underpaid) at a start-up, to finally get off the tranches. Now after 10 years I earn a good salary in marketing, but starting my career took so much effort it's insane.
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  831. Really appreciated this video. I often feel like the odd duck out cause of some of my lifestyle habits (frugality, repurposing items, etc.) and even more so as I have started changing my eating habits to fit what I am more comfortable with and I have gotten some weird “backlash” for choosing more vegetarian meals instead of meat based meals. It’s so bizarre, I get the same kinda attitudes towards not drinking alcohol. Like why does it matter? It’s me not liking alcohol. I don’t like the taste of alcohol nor the weird fuzzy feeling it creates when you drink a lot of it. It doesn’t effect others at all, other than getting a guaranteed DD for the night 😅
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  832. Such a great video delivered in easy attainable steps…which is exactly what makes your channel so good. If I could add one more thought…I’ve found that knowing my “why” when I set a goal is super helpful…even if the why is “to see if I can”. Otherwise when the going gets rough, I lose momentum. Just a thought.
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  833. LOL!! Love you!
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  834. To be honest, if someone can't pay $30 for a dinner, why are they even looking for a relationship? To me, it looks like there are many issues they have to take care of first, before even thinking of building a life together with somebody else.
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  835. Thank you for sharing what you’ve learned. I always learn the hard way. But sometimes it takes me multiple times before I learn. So I have wasted a lot of money over the years. Selling my condo and my mom selling hers in 2018 to move to Florida was the worst financial decision ever made. It has taught me a lot about myself though so for that I’m grateful.
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  836. I'm a former Evangelical christian, and I went through Dave Ramsey's Financial Peace university. I have to tell you, what he's trying to do is put a Band-Aid on a gaping wound. What he's trying to do is masks the fact that people don't get paid enough these days. Of course being an Evangelical he's also vehemently against unions. I struggled with money my entire life, and I'm not going to say I never did anything stupid when I was young. But you know what took care of most of my money problems? Getting out of that Evangelical mindset and getting a good job with a strong union that actually fights for decent wages. It's amazing how your money problems go away when you actually get paid enough.
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  837. I like you think outside of the box unlike most of the general population! 😊 I love Sunday’s because of your videos. Keep up the good work! Thanks
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  838. I was feeling guilty for not tending to my leaves, but you made me feel much better. F**k raking the leaves!!
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  839. Soooo glad I found your channel- I think this way too! I find going shopping, even for bread and milk very stressful now as there are so many other things screaming out from the shelves 'buy me! '. Let alone the amount of humans around. I find it almost immoral how much advertising is thrown at us and blame no one for succumbing to a billion dollar industry with some serious psychological research behind it. As for me - becoming a minimalist has allowed me to sleep as much as I want, be as lazy as I like and spend a lot of time watching clouds. And appreciating and walking in nature. Hugs to Levi - my kinda dog!
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  840. You are obviously smart and perhaps more importantly, you appear self disciplined and self reflective despite the mistakes. Hopefully, the house thing will turn out to be advantageous eventually.
    4
  841. Your videos are superb. Exceptionally organized, clear explanations. Fun, energetic, pleasant demeanor. Worth watching because one learns something worth learning. I just enjoy them. Even the commercial. I generally hate them. Many thanks.
    4
  842. I have an automatic transfer to a higher interest savings account each payday - it seems to be working well for me so far
    4
  843. Happy New Year to you and Levi.
    4
  844. Breathing is something I have to intentionally tell myself to do. I find I hold my breath often especially when I’m stressed. I’m trying to slow down today and just relax but my mind keeps telling me I should be doing something. I’m going to really try to just breathe and relax the rest of today. Tomorrow will be here too soon and there will be no time to rest.
    4
  845. I am so fed up with scam calls. I was missing medical calls because I don't answer the phone anymore when I don't number. The medical industry started labeling the calls as "Healthcare ". Well now the scammers are doing that too! I am going to have to look into Aura!!!
    3
  846. Thanks so much for answering my question. I love how thorough and honest you are. It's so refreshing!!!☺
    3
  847. Naomi Klein's "No Logo" details the corporate takeover of free public spaces.
    3
  848. I just bought the book. Please update us on how much you made since posting this video.
    3
  849. I loved it, thank you so much Nicole, great content 👏🏻👏🏻👏🏻
    3
  850. This video made me feel pretty good cuz I do almost none of these things. I go out to eat once in a great while and it's primarily to socialize as I cook every night. I still feel broke though!
    3
  851. Thissss! I’ve spent the last 10 years making videos about Pokemon and making a living doing it. Therapy was invaluable for me in dealing with that ball of “Who am I without the job I’ve fought so hard for and that everyone else would love to have” I’ve taken a year long break from my main channel this year and have such a healthier relationship to it all now and ofc plenty of outside hobbies Thanks for this video
    3
  852. I'm a little intrigued by the soul burp. I'd watch the day in the life of According to Nicole. 👌
    3
  853. Had Mint Mobile for some time, it's definitely worth it. I pay for a full year, and don't think about it until next time it's due.
    3
  854. If you make the “EMBRACE THE SUCK” t shirt I promise to buy TWO of them 😂
    3
  855. I totally agree with every point, Nicole. You have chutzpah and I like it.
    3
  856. People in general need "permission" to do life stuff because their parents over-abused them and now their default behavior is to appeal to any higher authority for permission to do anything, and thats why most people do nothing.
    3
  857. I feel bad that many people are exhausted every day and barely making ends meet while I'm working from home, making a good salary and complaining about having to go into the office occasionally. Instead, all I can think about is "how soon till I can retire?" I know I'm fortunate and privileged to be in my position but I spend 90% of my day envious of people who have it better than me. I can't tell if this is normal or if I'm just an ungrateful idiot.
    3
  858. I feel you with the concert tickets, I'm the same, but I also like good coffee :-) However, it was never my goal to own a house (different story, where I live, 80% are renters anyway). On a more serious note, I really like your views and I think they totally make sense
    3
  859. People who start to get more money don't really want many of the things they buy. They just want things other people can't afford. It's a combination of ego, and self-justification that working themselves to death 70 hours a week is worth it.
    3
  860. Normalize things that actually work.
    3
  861. I'm sure the organic stuff is good but I'm not paying that much extra for the same thing I can get at a lower price!
    3
  862. Love your videos
    3
  863. Our President is literally the perfect example. Committed crimes and charged and he was voted in. 😂
    3
  864. This resonates with me on sooo many levels!!! I’ve worried about money since I was a kid, no Joke!! I’m in my 3rd house and still don’t feel settled or content and the housing market is a complete fucking disaster here in Canada as you know. I honestly don’t see it getting better in the short term
    3
  865. I’m also hesitant to make my house a home by adding decor and pictures on the walls as I get hung up with the thought of having to fix the walls and paint in the future so I just leave them bare lol
    3
  866. Money takes away SO much anxiety. Not all of it, but enough to make life so much happier and easier. Even horrible situations like losing a loved one or experiencing a natural disaster is made much "easier" (or at least, less difficult) with money to solve the practical issues.
    3
  867. Ho my god... I just realized by listening to your video that "yes it's all about how you want to spend your time!!" I have enough money to have a good life and enough time to enjoy it. You really have made me realise that I could make more money but with it would come aggravation and headache that I don't need. I do most of your advice 🤣, like you it's fun being frugal and like a game... So thank you for making me realised that.
    3
  868. Record everything you do above and beyond the call of duty daily. This list will come in handy when you ask for a raise. A penny saved is worth more than a penny earned because you will pay taxes on the penny earned.
    3
  869. Jeff Bezos looks like Dr. Evil in real life
    3
  870. I too am a person of reasonable height and the top shelves of cabinets are completely useless for me too! Glad to 'meet' another minimalist cook!
    3
  871. Smashed like button
    3
  872. 👋 First! Good morning!
    3
  873. Levi is adorable! And he knows it! 🥰
    3
  874. Fantastic video! I think it helps to minimize (pun?) exposure to the constant bombardment of ads that constantly surround us and also to look at those ads with a critical eye--what are they selling us? how are they trying to hook us? If we step back, it is easier to see that we are just being manipulated to buy something we do not really need.
    3
  875. my first big save-up was $130 for a pair of black 10-hole Doc Martens boots from England. I was 13-14 and an aspiring goth kid (in the days before stores like Hot Topic), saved most of my allowances for that, 5 bucks a week so it took a long time. It meant a lot of missing out on movies and things like that, but was worth it to me. This was in 1990 when no stores in my area had them and my parents were horrified at the price and style of the boots. I wore out the boots by college but I still had the box for 20+ yrs.
    3
  876.  @AccordingtoNicole  ahh ok, I’m the butthole here, lmao! I’ll check it out.
    3
  877. You are one of my favorite youtubers :,)
    3
  878. 😘😘😘 I can see the pile of plushie toys in the background too!
    3
  879. First! Great video!
    3
  880. You're doing great Nicole!!! You should always buy a house and stay at least 5 yrs for the price to go up! 10 yrs even better! Your house is beautiful! As an artist it always troubled me that you don't have anything hanging on your walls! That will make your house a home! I would love to send you some of my prints! I'll dm you on Insta : )
    3
  881. case in point, chump claims he worked his way up from the bottom "My father gave me a small loan of a million dollars”
    3
  882. Hey Nicole--another great video! I would love to hear more banking rants! Credit unions are a good alternative to huge megabanks.
    3
  883. You’re awesome!😊
    3
  884. I'm a lot older than you but I have developed a side hustle with a double purpose - I am selling stuff i don't need on line ( ebay and Facebook Marketplace). Over the years folk have given me stuff/ I have inherited stuff/ I bought stuff when I thought I needed to be like everyone else so there is a lot to go through. I'm not getting a lot but every little helps right? You are inspirational, and I wish I had known what you know at your age.
    3
  885. You inspired me Nicole, I started saving and investing seriously last year on my (not so high) PhD salary, and it's going well 👍
    3
  886. Some countries don't have homework. I believe it is in Finland that they believe that since childhood is the only time without commitments that children should be free to play.
    3
  887. Thanks for great advice . Love watching your videos and here is one for the cutest 😘
    3
  888. new subscriber here! :)
    3
  889. Brilliant, thought-provoking discussion! Thank you Nicole.🙋‍♀️🥰👍‼️
    3
  890. looking forward to Tuesday!
    3
  891. Holy sh— this was incredible. Think it’s your 2nd vid I’ve watched this one gets instant sub. Great sh—. 👏
    3
  892. I can't STAND paper clutter. When I get the mail, I walk straight to the garbage can and toss any junk. Then, if there are any bills, I put them on my desk in the "to be paid" pile. Speaking of bills, most of them are on auto pay, preferably on the credit card, so we get cash back! Then we basically only have 1 other bill to pay besides the mortgage. 🙂
    3
  893. Thank you for the tips, this is actually useful and realistic! Subscribed
    3
  894. This all too true. Good points! My only criticism is to please turn the music down because I can't hear your voice over it.
    3
  895. Great video Nicole! ✨💖
    3
  896. Hustle culture is blind obedience to capitalism. I didn't make that up, I saw it written once. I 100% agree.
    3
  897. I am truly happy that more and more little subscribers like you teach better than someone with 100k and It proved me so many times wrong when I thought it was that 100k youtuber is better from 3k but while in meantime 3k subscriber gives quality tips. This doesn't mean that all 100k youtubers or with more subs are bad but from my experience, smaller youtubers do really a good job! Keep on going!!
    3
  898. This is very similar to how I feel about stay at home mom influencers. I’m sensitive to this one because I have a young daughter that I wish I could spend more time with but I have to work full time. It sucks. There are plenty of influencers who I’m sure are lovely women but they make videos about their (HIGHLY romanticized) lives as stay at home moms that are meant to appeal to women like me who wish we could afford to be home with our kids, and it’s easy to forget that they are also working full time in order to put that content out there. It’s aspirational to the point that they are not even actually doing it themselves.
    3
  899. Sunda funday with Nicole. I’m such a fan. Yes to cast iron, and I’ve always been so glad I don’t like coffee. Now to switch to all glass…😊
    3
  900. I LITERALLY take something away from every video you make. Great content!
    3
  901. This was very refreshing thank you!
    3
  902. you deserve every penny! You make me laugh so hard on some video's I love your personality. Keep going this way, and if you post every fucking single day I will make time to watch. Keep on going Nicole
    3
  903. I canceled my Amazon prime account.. was thinking about it but when you did your video. It nailed! Canceled!!
    3
  904. This video just made my day. You funny
    3
  905. The fact that you're so worried about how people will react to your religious observations is indication of so much going wrong. Nobody would have said shit to you in the 90's about this. We're going backwards culturally and this is just one small indicator. The modern rise of right wing idiots is disturbing and it's fairly new. This goes back maybe to 2010 or so. They used to more or less know their place, which was not in public. Now mega churches seem to be everywhere and whole cities like Nashville are pretty much corporate subsidiaries of religious nuttery. I just want to stress to people under 40 that this is not normal. This is not how this country used to be.
    3
  906. Thanks!
    3
  907. I just found u about a week ago and I have been watching a lot of ur videos and learning keep posting them I plan to start sharing them on social media
    3
  908. I prefer to watch real life videos and not some exaggerated lifestyle. Your videos are great.
    3
  909. ❤ for Levi! Liking the put away £2 for every bill paid or shopping bought. Gonna try that one!
    3
  910. vatht majority? 7:19 😬
    3
  911. Pretty much everything is a scam. Edit: and no, I'm not a pessimist or conspiracy theorist. In general, the less you need in life, the better off you will be
    3
  912. I think many ppl are missing the real point. No one cares in the way that ppl need to stop worrying about what other ppl think about them and stop living their lives based on how they want to be perceived. Live free and don't give a shit about what anyone else thinks cause she's right.... when it's all said and done... no one cares.
    3
  913. Love these types of videos as a reminder, thank you! ❤
    3
  914. Great video Nicole. The e-bike looks fun! I hope Levi is doing well.
    3
  915. I’m interested in your previous side hustles. I’ve,cleaned houses,flipped furniture,dog sit,house sit and granny sit.
    3
  916. Happy Sunday, Nicole. As a fitness coach always looking to learn more material, I’ll def utilize the free month of Skillshare. Thank you! ❤
    3
  917. Hey, you're late, no video on Saturday! Hope everything is good with you. Good video as always 🙂
    3
  918. Another great video. I learn so much every time. Such great advice.
    3
  919. Levi looks like he's got a case of the Monday's. I'm glad you started a Patreon, that's so awesome! Looks like you already have some followers which is epic. 😍
    3
  920. Woo woo bullshit 😂 drink water
    3
  921. This was fun!
    3
  922. First one 😄Weirdo here, too. Love your videos. Congrats to over 20k subs!
    3
  923. As someone who just recently started their journey into minimalism, it's awesome to see the perspective of someone further along in the journey. I'm still working on really getting the root of what really brings me joy versus what I thought would, so this was really helpful!
    3
  924. your conclusion on videos that say the same things just for clicks is a thought i literally just had. but then you can feel who is doing it just for clicks and it’s tiring and annoying and who is actually giving you a fresh pov about the topic, like you :) I am glad youtube introduced me to your channel. Now that I know your vegan I am even happier😊❤
    3
  925. Veterinarian Clinics have been taken over and the care has decreased while the cost increases.
    3
  926. You are not your job.
    3
  927. information wise, there is not much new data i get from your videos. still i watch new ones just for the warm comforting “yeah, right!” sense of normality. your common sense is so refreshing 🤌🏻
    3
  928. I came to your channel for the financial aspect but I'm staying for the lols..."fuck you and your eyebrows" your videos are hilarious 😆😆😆
    3
  929. Happy Wednesday
    3
  930. Looks great Nicole! ❤
    3
  931. Thank you for sharing about the water filter! I was thinking about one and because you said the sim pure is awesome I believe and I will purchase one! I love your ideas 😊
    3
  932. I agree wholeheartedly - get angry, get mad; it is a game, a game of them trying to get your hard earned money! 👏
    3
  933. Hell yeah this is the video I’ve been waiting for
    3
  934. Whenever I'm leaving one room to head into another, I see if there's anything I can grab and put back in that trip. At the very least, I can move things closer to the room they go in, even if I don't have time to put them away. I have a lot of fatigue and have to prioritize my energy pretty strictly, so anything that makes me more efficient is helpful. Since watching your channel, I've been a lot better about thinking through purchases-- I try to visualize them in my home and how much use they might get, and if it will ultimately be satisfying for the long-term. A lot of things really aren't, so in that, being slower helps.
    3
  935. I believe religion is making people stupid. anti-science anti-education anti-reality delusional thinking.
    3
  936. OMG FRESH POTS!!!
    3
  937. Nicole absolutely love these videos! Levi is adorable! I just paid my car off .... payments were around 400 dollars
    3
  938. Thanks for another great video and congrats on hitting 20k!
    3
  939. eat the rich!
    3
  940. Id spend all the money on wee levi too hes beautiful xx
    3
  941. After my "wholesale" Serta (?) crapped out after 7 years, I splurged on one of those medium-end Helix mattresses; no soreness, and I wake up refreshed. Worth every penny!
    3
  942. Gta Ontario family here. Food prices have gone thru the roof, making it tough for even middle class people to afford groceries. Family of 5 and we’re spending $1200 a month on groceries 😢, I’m trying to get that under $1k a month but prices keep going up and up. We don’t eat out and eat fairly healthy. It’s a tough time and I keep hearing 2023 will only be worse 😞 Thank you for sharing your videos
    3
  943. I have never paid for Amazon shipping or prime for that matter. Its not too hard to hit $35 on an order and the stuff shows up pretty fast anyway . I don't see the point for a membership. Yeah I am talking to you too Costco!
    3
  944. Rise Against. Yes!!
    3
  945. I’m never buying milk again. Why is this world so fucked up.
    3
  946. Oooh a Wednesday upload!!!
    3
  947. Happy belated birthday! Hope you had a nice day doing whatever you wanted (probably spent the day spoiling Levi lol) I will ask you kindly please stay out of my head please. I have made sooooo many mistakes and all I can say is that as I got older and I've become more mindful that I am going to fuck up somewhere or sometime or another I just say o well, and try not to repeat it which I usually do and when I think back on the mistakes I can get down but in the end I cannot change it now so I might as well just make the best of the situation.
    3
  948. I like moving around style more! Good video as always. Thank you.
    3
  949. Going to tip myself. Stay home and cook a better meal. I'll cut my own hair and clean my own house.
    3
  950. You are ready for your stand up tour 😂 This was your best delivery yet, miles ahead of Amazon. 😉you were rollin’ 🚛 Right on ✊🏼
    3
  951. You are hilarious; dont ever change for any one, except yourself (and only if you want to). What is an adult, anyway? Often our definition of 'adult' comes from a pre conceived belief, or idea, made when we were a child of what that is. Change the definition and you'll no longer feel like an imposter. You are uniquely you. Congrats!
    3
  952. I just got Mint last week. It works great!
    3
  953. Lol I'm dying!!! When you were in the all white room and said oh s#*t I spewed my coffee and laughed till tears were running! Love it 😂❤😂❤
    3
  954. As someone who grew up with money and as achild of a ceo of a publicly traded company, I heard my father say “that law doesn’t apply to me” many times… (we don’t speak anymore 😅) it’s disturbing. I think there is this idea that certain laws are fine to break, that it is harmless in a sense to people like that. But obviously it’s not harmless and most of the time it’s the risk that comes with breaking the law (like going super fast in a 45 zone) so maybe you didn’t hit someone or get in an accident but your reckless driving COULD kill someone. ETA: Nicole, loving your videos. You give a great different side of money that a lot of the biggest money YouTubers aren’t talking about. Appreciate you.
    3
  955. So much work but it'll will be worth it in the end, Id take a guess at white and grey colour scheme with possible gloss cabinets and marble top and silver finishings.
    3
  956. I enjoy these Q&A videos. congratulations on 20k subscribers. i'm happy to be one of them.
    3
  957. A lot of men move from mum to gf and never learn to look after themselves, it's sad and pathetic but it's true and common
    3
  958. Where do you stand on the early mortgage payoff controversy? Are you going to pay your mortgage off early? If so, how?
    3
  959. The assumptions tho — it’s wild what people think they know based on almost no information. 😅 Congrats on 50k!
    3
  960. To hell with the spam! Thank you as always.
    3
  961. Thanks for sharing each and every video Nicole!
    3
  962. Great content, thank you! Congrats on the 20 thousand.
    3
  963. Loving these videos…. Someone who says it like it is and doesn’t hold back. I totally agree with this. Wish there were more people like you who thought the same way. Too bad we couldn’t go back in time before all this new technology ruined the world.
    3
  964. Love getting a new credit card for points on big purchases!
    3
  965. Your videos are getting better and better thank you!
    3
  966. Smashed like button!
    3
  967. Awesome video! Thanks for your honesty and sharing your journey. 🤗🌟💕
    3
  968. Hello from Seoul, Korea. Great channel as always. :hand-pink-waving::face-blue-smiling:
    3
  969. On write-offs, you are so right. I believe with your example, it's what the college kids are calling "boy math" and "girl math" now. Pretty much the thinking of "Oh, I could save a few bucks on income taxes by spending more for my business?" followed by "why am i losing money?"
    3
  970. Oh, Levi looks so cuuuute in the background ❤🇦🇺
    2
  971. I am very similar to you. One cheap thing I do is to not buy clothes for years. I just wear my old old old clothes and then I have very few pieces made by my friends who are designers, the quality of these clothes is superior and the price is just slightly higher than retail store clothes. In the end, these garments last for longer and they were ethically produced. Also, it benefits the local economy, specially the pockets of my friends. Did I mention I look bomb?
    2
  972. This is so on point. Thank you.
    2
  973. Incredible milestone reached today. Proud of you!
    2
  974. Wow, another great video! My parents always emphasized saving money, but money was always tight. My mother always wanted to move to a new town, new house, so we could never get ahead.
    2
  975. Thanks!
    2
  976. #same ❤ Thanks for sharing, I can totally relate to what you are saying. Love your videos in general, thank you for existing and posting! 😊
    2
  977. You alway help with my weird Sunday mood slump. The one that comes with having to share a work space with a psychopath.
    2
  978. Some of us are now in our 30s I tell you 😢😂
    2
  979. I have a list of things I used to love to do that I monetized and now no longer do. As in, no way in h*ll would I do that again. Sad part is I made good money doing those things but I dislike those things so much because I'm mad that I lost the love for them so much that I can't go back, even for fun. Double loss - profitable work and something I love to do. Work is work. Keep it separate.
    2
  980. Hahahahaaa it's actually like a sick game for us too. We love to see how much we can save on groceries and things but I have to say I live your approach. Way to go, good job 👏
    2
  981. The only way to detox is to help you body do it’s job.....lots of water. Most people do not consume enough water.
    2
  982. Wow! I subscribed like 3 months ago and you were at 500ish. Now almost 5k. What a jump
    2
  983. This did pop into suggested for me but I have been so busy today!! Here now!
    2
  984. Ah Levi - love that little fella! 🐶❤️
    2
  985. I stIl love minimalism for the ease of cleaning and philosophy of intentional spending. I actually hadn't noticed much the change in your channel--I enjoy it either way!
    2
  986. I wonder if the issue stems from people not knowing what they want in life. Without goals, doesn't really feel like there's a point, but always going after that cool new thing gives you something to look forward to and some sense of direction. We're constantly trying to fill the void with things, because we don't know what to do about it, otherwise.
    2
  987. Congrats on 20k follower!!! I tell everyone I know about your channel!!! And investing in QQQ or SP500 fund is genius and the way to go! I been trading stocks for over 20 yrs and I'm breaking even! Some go up and others go down! If I would've stayed with QQQ I would have doubled my money and more!
    2
  988. 😘 🐕
    2
  989. I am having kind of a 'bad day', but now I am already feeling way better, since I am in no threat of buying 'the ugliest toaster' XD ah, hilarious.
    2
  990. Ugh. My parents never spoke to me. So yeah, kind of difficult to convey information about finance.
    2
  991. Came here to wish Levi a happy birthday so he can get more toys ❤️
    2
  992. Can you make a video on your hobbies/what to do in your free time
    2
  993. Private Equity firms just suck the life out of companies. They slash costs by cutting employees and underpaying them. They couldn’t care less about customer satisfaction and service. They are a like locusts. They come in, make as much money as they can and leave a burning pile of rubble when they leave.
    2
  994. The poop face! So funny 🤣
    2
  995. 🦍 I’m shorter than you (5’3) but also mostly torso with short legs. I understand the struggle!
    2
  996. I wish I had more friends like you...
    2
  997. Off the point but omg your phone background of levi 😍😍😍
    2
  998. Technically, I only have one stream of income which is my "9-5" job. But I do have some investments that pay dividends but I'm reinvesting those payouts so I don't consider it an income stream as of yet.
    2
  999. I’ve been thinking about switching to Mint Mobile. Verizon has so many different fees every month!
    2
  1000. You are a wonderful storyteller, & your content is so interesting and lovely!!!! I love your channel, thanks so much. ❤
    2
  1001. "HeY bABe I HaVE a WonDeRFul oPPoRTUnity foR YoU..." 😂✋🏾
    2
  1002. Nicole you have a beautiful life! Thanks for sharing it.
    2
  1003. 😂 the fact you order a whole ass bullhorn to say that is epic, i love it 😇
    2
  1004. But this fits don't you see. Third Places are places where we might share ideas and opinions that could be in conflict with the preferred narrative. Like all the other points you made here, designed to keep us docile and under control. Sorry.
    2
  1005. I rather suspect that this sound advice will always fall on the deaf ears of those who need it most. I’d prefer to spare my breath for blowing on my porridge.
    2
  1006. Nicole hides her savings under her bangs
    2
  1007. LOVE that chandelier! 🙌🏻
    2
  1008. As a vegan minimalist I LOVE your content!!!
    2
  1009. I don't think someone needs to be a nihilist to not believe there's a purpose to life. I'm an atheist and I don't believe there's any set purpose by a creator, but I do think that we create our own purpose. Our life is like an unfinished painting and we're the painter. I think that's more beautiful and meaningful than any pre-determined purpose by a creator. My purpose is to enjoy and appreciate music and art. I enjoy the things that cause me to feel a sense of transcendence and euphoria. It's simple, but no matter how simple something is, there's nothing wrong with it being your purpose as long as it inspires you and makes you feel good.
    2
  1010. All great advice! One thing on getting pets medications at pharmacies rather than the vets office; always aim to refill your prescriptions a good amount of time before they actually run out! I work at a vets office and, even for us, some medications can take 2-4 days to fill. I can’t tell you how many calls I get a day from people who are calling as an emergency because their pets seizure or thyroid medications has run out and their prescription delivery is late or their pharmacy can’t get them filled fast enough. :( Always plan ahead of time so your furry friends don’t have to go without!
    2
  1011. I think having a financial advisor who gets paid by assets under management is a scam. Unfortunately, this is what I am currently using, but feel very ripped off.
    2
  1012. As a fellow Ruminator I get where you're coming from. I'm also working on it.
    2
  1013. sellout
    2
  1014. Please stop beating yourself up over a few lousy choices. It's how we all learn! Worst financial mistake I ever made was also purchasing a home I had a love/hate relationship with. I did gut it (that was fun), but I hated the house as a whole (it was a split level home and Iabsolutely don't like those), hated the location, had crappy neighbors, it was too far from things I participated in...and I could go on and on. I only actually bought it because it was cheap. A friend of ours had purchased the property for the acreage but didn't want the house. He agreed to sell the house super cheap. I went ahead and bought it even though i despise split levels. Following that, we had some major life and health issues that were only going to be remedied by moving. I was sooo happy to sell that house 4 years later for triple the amount of money we had put into it! Four years seemed like forever to live somewhere I didn't like, but I survived lol. And you'll survive, too. Wait it out.
    2
  1015. The president or 'the economy' has had 0 impact on my early FI journey. Improvise, adapt and overcome to recognize opportunities.
    2
  1016. Thanks
    2
  1017. "now this is a part of the video where I feel like I'm supposed to offer some sort of clever advice or solution" [anxiously listens..] "but I have none" [cries in Gen-X]
    2
  1018. Donate to women’s shelters and animal rescues. They need stuff.
    2
  1019. I look forward to your videos every week, Nicole. I'm going to take a look at shortform. I also read and think get to the point! It makes me crazy. It wasn't always that way. The computer has changed our brains.
    2
  1020. Thanks!
    2
  1021. Yes, vegan 17 years and it's not ever something I think about anymore. Trying to make minimalism my same natural default.
    2
  1022. Thanks!
    2
  1023. HR exists to fire people as smoothly as possible.
    2
  1024. Levi is a doll. His love is worth every penny.
    2
  1025. Tax the Super Rich and stop them owning all the assets.
    2
  1026. Fantastic video! I agree with everything you said! You go with your bad ass self! 😂
    2
  1027. Cancelled prime, thanks Nicole
    2
  1028. Your videos have so much truth to them. Reality check
    2
  1029. I can't get over what an organized mind you have, Nicole! Even most writers don't have that. They have so much filler and boring crap in their material, at least most of them do. More power to you!
    2
  1030. yes there internet has turned into a marketing weapon, the world of privacy is now what is at stake, however majority of the population still have not seen the light of day. thanks on sharing about data brokers
    2
  1031. I would rather leave the house without my pants on then without my phone. I'm Weak!!!
    2
  1032. Yeah, I cancelled prime, surprise, didn't miss it🤔
    2
  1033. I was in the process of reflexively skipping your sponsored segment and then i said "wait ... it does WHAT??!" ... This sounds amazing and i can't wait to try it out. Cheers
    2
  1034. Great and real video!
    2
  1035. 2ndYes Please ! video...
    2
  1036. My goal is to find a job where i don't have multiple shifts. I want a routine and not work on the weekends. It's unnecessary to f*ck someone's life by giving them weird timetables because "we all have to make an effort, we are a family". No, we are not. I work for money. If i died they would replace me in the blink of an eye, same goes for me, I couldn't care less about moving on to the next thing if that thing gives me more free time or better vibes. Most important thing is to find a chill place and thrive.
    2
  1037. Thanks! You are an amazing lady. Keep it up!
    2
  1038. Elites built their empires on slavery; polluting the planet at the same time. Now they gaslight society in to believing we are to blame for the mess. Now that the top businesses have their captive audiences they can afford to put out garbage quality items. Its a stench; theyre a stench. This includes the quality of food too. I hope more and more will continue to wake up to the gaslighting being used on mankind by leaders, politicians, big tech, msm and increasingly others.
    2
  1039. This so accurate. Fantastic content.
    2
  1040. 🦧:_Levi:
    2
  1041. I have recently (last couple of decades) thought that in the Western world, at least schooling especially early years is used to indoctrinate children into the world of plebs and slavery for the oligarchs.
    2
  1042. This is amazing Nicole. Huge congratulations and well deserved!
    2
  1043. I love your kitchen remodel. So what if it looks similar it's your house. The mistake with the doors. It's still a nice clean minimal look. I know. We're human.
    2
  1044. I love listening to you, Nicole. You're the tops!
    2
  1045. Almost 100k subscribers! 🎆🎉
    2
  1046. Thank you for answering my question.
    2
  1047. Wise tips as always Nicole! And btw I have and I love Blinkist❤❤❤
    2
  1048. Totally agree!I loved your video, thanks for sharing!
    2
  1049. I’m guessing front loading washing machines are made so that you can stack a dryer on top of it (or just anything else, as it is often done where I live, where people themselves are stacked on top of each other in tiny apartments). Great analogy with “Pimp My Ride”. Never thought of that what made me cringe there, is the exact same thing that hits me when I look at the new Iphone design.
    2
  1050. Riding motorcycles makes me feel happy. Riding motorcycles costs money.
    2
  1051. OMG Breaking Bad! My fave show of all time!!!
    2
  1052. This is exactly my point a convicted criminal can become president and they are revered, that is exactly what is wrong with this world
    2
  1053. Nicole, another great video. Never change.
    2
  1054. Crypto is a pyramid scheme targeted at incels and other toxic personalities
    2
  1055. Whaaat? U think Natural is bad? Have u heard of Dihydrogen Monoxide? YOU can drown in that stuff!
    2
  1056. Sometimes you have to buy "things" to facilitate "experiences". For example buying a guitar, stereo, or a motorcycle will facilitate the experiences of music appreciation and travel adventures
    2
  1057. Merci!
    2
  1058. 7k QA now! 🎉 Love your content!
    2
  1059. I'm 62 years old and I swear your like the daughter I never gave birth too. It will be more than a 10 part series. Remember if it is a capitalist idea it's a scam plain and simple. To bad they can't invent a vaccine that protects you from capitalist "BULL"! Keep up the good work time for peps to get wise.
    2
  1060. Even though you regret buying your house and wouldn’t do it again, you now have the insight of a big hard lesson ☹️ If you were still in your town house you would still be looking for a detached home. You will NEVER make the same mistake again so it’s a good thing……I think! 🤪😉😳🤔 I too bought at the height before selling my other home. It took a l..o..n..g time to sell and I sold for far below the asking price 😭 such a very stressful time!! I too nearly had a breakdown over it, so I understand how you feel. You are not alone! Don’t be too hard on yourself ❤ your new home is beautiful and you are making it your own. Love your work 💪🏼👏🏻☺️
    2
  1061. Greed drives Capitalism. It is all a game. We all need to learn to play the game or make better rules.
    2
  1062. Your quote on credit cards got put down on my calendar ty
    2
  1063. Hope you are ok. Where ya been the last couple of weeks? Hugs to Levi. It must be freezing up there.
    2
  1064. First of all…Join…for Levi, precious little doggy darling 😊next my comment..Well done on the money…I’ve been recommending you to friends ever since I saw you…you have helped change me in several ways..1. Finances…I hardly buy any stuff anymore..2 TFST’s…saving money like crazy..I’m 77 and never saved a cent…Andrew Hallam helped here too..a few years ago I read his book and followed his instructions.. I buy only index funds..don’t want to reveal how much I have now..2. Dishes and kitchen…trying to have a clean and tidy house before I go to bed. 3 Happy with what I have now…hugs🤗Margaret Mavor
    2
  1065. I don't think she overlooked it - she needs her car for work, too. She drives a old (not sure the year) car that she maintains. I believe her point was to avoid buying a car that comes with a huge monthly payment, and opt for a less expensive car; like, don't go for the bells and whistles Mercedes when you can get the cheaper Toyota or Honda
    2
  1066. When flipping on FBMP , I block and delete the crazy people, I don’t have time for the lowball offers and crazy stories to reduce the price 🤷‍♀️♥️🇨🇦
    2
  1067. Your advice is what I wish I had known at your age. Both my sons have savings not debt and they have both been to Uni. Here in the UK we have student loan fees to pay off as well. Their friends and contemporaries are shocked that they have paid these off and have savings. I retired early at 58. We are frugal and think before we spend. Tread our own path not follow the herd. Move around - it adds to interest!
    2
  1068. Wise wise words, thank you for sharing ! Watching videos like yours keeps me on financial track and reminds me why I do the things I do; that last comment is hilarious 😂 getting married at the end of the year and going to do everything in my power to avoid kids🙃 till a certain financial goal is met; kids aren’t cheap !🙃🙃😂
    2
  1069. You’ve been hustling girl I’m tryna get like you
    2
  1070. Yes you’re an influencer. I now use oat milk in my coffee due to you!
    2
  1071. Excellent film recommendations ❤
    2
  1072. My favorite part of Sunday is a new video from you Nicole! I always make my bed too❤
    2
  1073. Love your videos. Think i may have really given the channel a bump in stats by binge watching ALL your videos. Lol I have a fitbit. Not fancy. It was an attempt to get healthier as i was injured at work and need both knees replaced. I.was also poisoned with putrid pond water about 5 yrs ago and they couldnt even identify the organisms that nearly killed me. I started to compare how i was physically (im also a nurse of a few decades) with the readings it provided. Over the past 5 years i have watched and tweaked things like sleep and stress reactions and have watched my HRV nearly quadruple to a healthy level! The sleep breakdown pro ides enough free info for me to correlate how i feel with it. I have been able to precisely pinpoint specific areas to work on and even check longitudinal results when determining if a new routine or treatment is beneficial. Other than that i have no use for it and have all alarms turned off. Thanks for another great video!
    2
  1074. ❤ just comenting because this video needs more people to see it 😊
    2
  1075. No ad for me, Nicole. Watching from Scotland
    2
  1076. Buy a good used car and keep it for at least 10yrs! I don't understand paying $500 or more a month on it! It's insane!!!
    2
  1077. I worked in the fraud dept a major international bank, for a division of their credit card portfolio. Lolz. I was an entry level supervisor. The shit I saw go down there helped me veer to the far left, politically. Banks are evil. Corporations are evil flying monkeys. ☺
    2
  1078. Everything is 100% off if you don’t buy it!
    2
  1079. Agree! although I dont think high school is a scam scam, but the system is so screwed and out dated, and i think it does more harm than good for kids mental health. definitely need change, 6 hours a day until you're 18 is crazy, so much could have been learnt in that time, other talents could be explored. but i also like that it gives kids from disadvantaged backgrounds a chance to learn and make a better future for themseleves
    2
  1080. Blockbuster, cassettes, CDs. Nostalgia = dopamine ❤
    2
  1081. I am first again 😂😂😂
    2
  1082. It feels like if people's wages kept up with what good products should cost, then the mindset of expecting the price of a product to stay the same might not factor in as much. Basically wages keeping up with inflation. I'm not against individual action, but much bigger change can be made on a systematic level.
    2
  1083. If everyone was broke, we literally would have no sense of what broke actually is. You feel broke because of the gap between the working class and the uber wealthy, and you realize that it is only growing, and hang on, that it will only continue to do so. Your society is morally bankrupt, and it leaves working people feeling no more useful than their money. That is what broke really means.
    2
  1084. very good video
    2
  1085. It's very enjoyable to listen to you talk about your topic. I can sit back and relax and don't skip a second like on most other videos. Good work.
    2
  1086. I embraced minimalism because I'm inherently disorganized. Not having a lot of stuff to organize makes my life more peaceful. When I go shopping, I always ask myself if anything in my basket is most likely to end up in a garage sale in a year. If the answer is yes, I don't buy it.
    2
  1087. I live in NYC so I totally understand what you are experiencing. Homes where I live START at 1.5 million and that’s a house that’s a total dump that you will need to gut renovate. If you want a “turn key” home than your budget needs to be in the 2.5-3.5 million range. It’s absolutely ridiculous for everyday working folks like me who could never afford these prices.
    2
  1088. the caption at 6:57 😂😂😂😂 so glad you were safe !
    2
  1089. I like these kinds of videos . . yes, make the video of inexpensive items actually worth the money.
    2
  1090. Real Estate is the biggest scam of all in Canada. Houses cost too much to buy, own, and sell.
    2
  1091. I’ve so been there. This is quite relatable. Thanks for sharing 😊
    2
  1092. I enjoy vinyl as much as anyone, but it has become a rich kid's hobby. $30 and up for a new pressing that you can stream for free
    2
  1093. I never have cash on me. I always use my debit card or a credit card. I find cash if I have cash on me I, very quick to spend it. I think more when I’m using my cards. We are all just wired differently.
    2
  1094. Another great list!
    2
  1095. Thanks.., "... relentlessly pursue the life you want....".
    2
  1096. Great tips! Time for me to put on a 20-minute progressive metal tune and clean!
    2
  1097. I have lost 25 pounds with intermittent fasting for the last two months. I am going to do this AG1 to see if it will be a good suppliment to compliment my fasting.
    2
  1098. I think that the educational system doesn't teach many people about finances because if they were truthful about most economic structures, it would lead to lot of people being very angry and very disillusioned with the project of the US/Capitalism as a whole. Home ownership isn't "impossible" for most, but the real reasons it has become more difficult over time are connected to the reason we lack financial education that teaches us to manage finances. (For reference -- I too was in a similar situation, and was able to accrue a six figure net worth by 25 after being in college debt of about 32k. I saved 80 percent of my income and started a relatively high income job at 23). Creditors always benefit from debtors. What benefit do the people in power have in empowering and essentially enfranchising more and more people? I hate to be so cynical, but as I looked back and became more educated, it becomes obscenely evident that it's at least somewhat on purpose -- or at the least it's an organic outgrowth of the assumptions and behaviors of the system at higher levels. College in particular is an income-gated, bank-owned enterprise now that essentially tells most young people to take on 100k in debt in order to even have a slight chance at cracking into the economy at all -- at least if you wish to make more than minimum wage. You know how insane that is? But it's incredibly useful for employers because that way they have workers in a vice grip. It's leverage. If you don't have a degree, they can throw out your application. It's either take on the debt, or accept much worse conditions in the broader world. On top of that, private equity funds full of hyper-rich people are now buying large tracks of homes wholesale in cash so that they can rent them out to others instead of allowing younger people to begin to accrue any type of equity themselves. Despicable really, and something that has to change in the next century.
    2
  1099. Congrats on hitting 20K subscribers!
    2
  1100. It’s definitely not rude to be clear on what other people offer you in a relationship; everyone needs to know what they can bring to a partnership, that’s basic self-awareness that has a high ROI
    2
  1101.  @peterwulff469  she never met rich people. Just ranting, like crazy NDP woman screaming at Queens Park.
    2
  1102. Hi, Nicole. This may be a weird comment but I do love listening to you because you are well spoken, like others have mentioned. English is my third language, so I always notice when someone speaks proper English since that's what I've been taught in school, if that makes sense. I bet you can spell "your" and "you're", "there" and "their" etc. correctly, lol. In fact I am going to recommend your channel to my friends who study English. You are easy to understand (and I mean your accent and not the simplicity of words you choose), you build long sentences with some words that aren't used that often by most people, and from what I can tell you pronounce words correctly (no "eXpecially" in your vocabulary which is my personal pet peeve). Sorry for this long ass comment but I just wanted to add to what others had to say about you being very well spoken. Oh, and the content on your channel is something I find interesting and inspiring. Thanks!
    2
  1103. I wish I would have invested more in an sp500 fund my whole life! Everyone should just set it and forget it! Great video Nicole!!!
    2
  1104. Thanks Nicole, for lighting a fire under my butt!
    2
  1105. I feel and hope for the restart of the circle all the same 😊
    2
  1106. The world "According to Nicole" is a very good place to be to get your act together. I have to thank you for one of your videos from about a year and a half ago. You were talking about frugal or minimal living and being intentional with your spending - and then you took a detour about how although that was important, that it would probably be more financially rewarding to find a higher paying job or business opportunity. I was comfortable where I was working - but right at that moment I decided it was time to move on. I did just that and now I am making about $20k higher salary which is helping my plans become reality. Thanks!
    2
  1107. This was really good suggestions and a good reminder for me.
    2
  1108. Really good video, Nicole. Thanks for sharing :)
    2
  1109. I loved it! I am saving to invest, to buy an apartment and more immediate - to take my mother and my son to Turkey this summer
    2
  1110. Gosh people. Going "vegan" for health reasons is NOT going vegan. Vegan is a philosophy, not a eating plan. So calling yourself vegan, when the choice is purely about YOUR health, is selfishly identifying with a cause you aren't truly supporting. It's signaling. Keep eating better. Call yourself a Nutritarian. Why announce anything, actually.
    2
  1111. Love these videos. You make us think and have fun doing it. Keep it up.
    2
  1112. You are absolutely not alone.i feel these things to. I just wanna find my permanence. It is so real.
    2
  1113. Love the comments on not drinking. I find a lot of people especially those with more disposable income, drink excessively and it's just so boring to me. Bars are not it. I do like the odd beer/wine here and there but that isn't recreation to me it's part of a meal or one tiny element of a larger event like a concert or movie night.
    2
  1114. Lol, I needed to hear this. Thanks, Nicole!!
    2
  1115. Mint mobile is great. I pay a year in advance and it's like 20 a month with lots of data.
    2
  1116. Congrats on 20k. Love your channel!
    2
  1117. YES 🙌🏻 TO SAYING FUCK OFF TO ANY AND ALL MLM SCHEMES!!!!! I was mildly interested in your video until you mentioned this and then I immediately liked you. My favourite alternative phrase is “it’s not a pyramid scheme, it’s a triangle opportunity!”. Fuck MLMs to the highest extent and degree possible.
    2
  1118. Congrats on 1k!!
    2
  1119. Ha! I love that people were saying that you don't offer any solutions, and that when you do here... it's just common sense. It's almost like you actually dared to have enough respect for your viewers to believe they could read between the lines without you rubbing their noses in it. Obviously not.
    2
  1120. Thanks for sharing. Love the outtake of Levi 🤣
    2
  1121. Millennials here — we bought our first house last year. We got it for asking price at $185k — it’s 30 mins outside of the city where we commute in a small town of 1,000. It’s peaceful out here and we have almost half an acre for our dog to frolic. The mortgage is cheaper than our rent was! We had a 2013 Tesla and downsized for a 2006 Prius as a commuter car to save on transportation cost. We’re happy to be more frugal and have more freedom even if it’s not what other people are willing to do. Being creative and sacrificing some things for what is worth more? Land to garden on and have chickens? Less stress? These we value.
    2
  1122. I cancel Netflix
    2
  1123. Your views are through the roof!! I’m so happy your channel took off, I can’t think of anyone more deserving. Thanks for all the work you do 😊
    2
  1124. I need to go paperless!!! Great video Nicole!!!
    2
  1125. 😘to the photobomber :)
    2
  1126. Just found you and I am catching up on your videos. I enjoy that you speak quickly and have original ideas. I totally agree with your logic on the coffee maker. I think I rented a few juicers in my time, in the same way.
    2
  1127. I’m so early and less than 3 mins in, I laughed too hard. 😂😂
    2
  1128. Generally, men do poorly after divorce whereas women do very well. Obviously women are hurt but they have other women to talk to where men can’t talk about feelings because that males them gay 🙄. Men have higher rates of suicide because they can’t cope with feelings. And you’re right—they don’t even understand how toxic masculinity is harming them! But women have been saying this for a long time and men don’t listen to us. It’s up to men to start changing toxic masculinity and showing it’s okay to just be human. Being human and having feelings isn’t a gendered thing.
    2
  1129. I look forward to every Sunday morning, because I look forward to seeing your videos; Thank You!:text-yellow-goal::finger-red-number-one:💯🌈🏁
    2
  1130. I lowkey hope I get offended at one, that will mean it's something I need to deal with
    2
  1131. Another important way your situation is anomalous is that you have a guaranteed right to at least basic healthcare, unlike those of us down here. That removes the a major pressure for you, but is not sustainable for us (I’m not complaining. I think healthcare is a basic human right).
    2
  1132. Commenting for the algorithm.
    2
  1133. You don't feel well because you are use to eating clean food that you prepare yourself.
    2
  1134. I like Eddie Bauer's tall range of tops, maybe check that out?
    2
  1135. Tax write-offs for business expenses always seem to confuse people - You explained it so simply and directly Hopefully this leads to less confusion on that topic!
    2
  1136. Nicole you are so wise it's unreal. I love your videos and your humour. The Costco size jar up the a#@ had me laughing so hard in a public setting 😂😂😂🤣
    2
  1137. Thanks!
    2
  1138. Humans had better hope no species does to us as we do to other species.
    2
  1139. I’ve been enjoying your channel and taking advice, I’ll be 21 next month :)) it’s lovely to have found a great role model in so many ways especially financially online, your like the neat older sisters who really knows what’s up :pp so thanks for sharing your life and values and knowledge!
    2
  1140. Thanks!
    2
  1141. I have a neighbor who thinks cutting grass between 6 am and 7 am is OK. I think I might need that mask!
    2
  1142. #cancelamazonprime 💖
    2
  1143. Watched some of your videos lately, you are just a lovely person, great content
    2
  1144. No, Costco costs less and pays better because the CEO has made the very deliberate choice to not milk the system for all its worth. Look it up.
    2
  1145. Financial illiteracy ✅ Poor impulse control ✅ Emotional coping ✅ Damn, think I better listen in
    2
  1146. Question for your upcoming Q&A: how did Levi's name come about? is he named after the jeans brand? P.S. thank you for your amazing channel and all the effort and love you put into it! you're one of my favourite youtubers <3
    2
  1147. This was the best, transparent video of YouTube monetizing for a beginner I’ve ever seen. Thank you for sharing. You give more hope than those with a huge following. You made it relatable and doable.🙏🏼
    2
  1148. Great advice!
    2
  1149. No ad
    2
  1150. Thanks!
    2
  1151. Good video 😊
    2
  1152. I've been following your channel since you had about 2000 subscribers, and I am really glad that it has grown the way it has because I always thought only the fake nice influencer types had a chance at success. Your bluntness reminds me of myself, and I really didn't think people appreciated that online.
    2
  1153. Thanks again. Great video
    2
  1154. I didn't know you were vegan as well!! You suddenly gained 1000 amazingness points in my book
    2
  1155. Just another thing to add. Bezos made over $7.9M an hour last year. In 13 minutes, he makes more than the average person does in a lifetime - Robert Reich
    2
  1156. Nicole is an anti-influencer; she tells people what not to buy.
    2
  1157. Thank you, a great video 🙌 as a teacher that faces many challenging situations that can truly put you down, your videos have helped me to think more like "its just my job, I will go home soon to my real life" and helps me in siruations where I feel my energy is not enough.
    2
  1158. Another great video. Thank you Nicole.
    2
  1159. Sorry about the old perverts. That is really gross. I love your humor, logic, and levi. Congrats on 50. The next 50 will come faster.
    2
  1160. I buy everything on a credit card and pay it off each month. Then at the end of the month i use the statement to analyze my spending. So i get the convenience of using the card but i still have to face the music once a month which keeps me focused on not spending frivolously.
    2
  1161. “In the words of our lord and savior, Tom DeLonge…” MADE MY FUCKING DAY!!! 😂😂😂
    2
  1162. As a 90s kid raising gen Z and Alpha kids, I agree 1000% !!
    2
  1163. I know when i stumble upon a new favourite youtuber and you have become one of them🎉 thank you for saying things as it is!
    2
  1164. Yes yes yes Nicole yessss
    2
  1165. Hi Nicole and of course Levi. I’m from the UK so see a lot of Levi lookalikes 😂 A lady 3 doors down from me has 3, so cute. I recently found you ( definitely have not binged watched your vids over the last week 😂) when I started my minimalist lifestyle, honestly the best thing I’ve ever done in a long time. Anyway I have 4 streams of income including flipping on Marketplace and at carboots (I go to 3 every Sunday, buy from the first two and then sell it all at the third 😁) Sorry for the long post but just to let you know that your vids are so inspiring and funny, fab sense of humour. Levi is obviously the star of the videos though 😂🧡
    2
  1166. Thanks!
    2
  1167. Your money definitely taught you those money lessons with intention,she sounds like perhaps she could not give you everything but she was able to teach you how to do it for yourself! Good Job to both you and your ma!
    2
  1168. I bet you can reach 100 scams. You are on a roll.
    2
  1169. I always thought it was just growing up and being mature. When I was in my 20's I would spend all my paycheck that first weekend, In my 30's I started investing and saving money.
    2
  1170. But it's called "Affirm." I feel better about myself knowing I'm doing business with them. Honestly, one solution here. Change the collective mindset so that consuming more stops driving society. Oh wait, we're in end-stage capitalism where profit is god. PS--Love your "'Merica" clip. Play it more!!!!
    2
  1171. All my friends have Apple watches. I have no interest in one. My phone counts my steps. I recently switched to Mint Mobile and save the savings each month. Already saved up $150. Cut cable and got Roku. Paid off my mortgage in 10 years. I’d much rather travel than buy anything. Recently saved for a trip to Australia and New Zealand. Money can be a game.
    2
  1172. You are spot on! Religion is a total scam.
    2
  1173. They have been told it is the best in the world. They also think the education system is great. This think that WW2 started in 1941. Watch some US TV or listen to some US radio some time. You will shocked.
    2
  1174. I canceled my prime four years ago. Figured out it was a rip off. Thanks Nicole for justifing this. Nobody listens to me lol 🎉❤
    2
  1175. I just found your channel. I’m in Canada too and I’m cultivating the same mindset. Well, similar. Very cool to find your videos!
    2
  1176. This video is depressing and true💯
    1
  1177. My goal is to save for a car. The main reason is for my pet/house sitting jobs. It would be so much easier for me rather than getting there via public transport or Uber all the time, even though I can claim them as a business expense at tax time.
    1
  1178. Also, I literally paused the video and just signed up for moomoo! Deposited $1000 so after 2 months I get 15 free stocks 😊
    1
  1179. The real eye opener is when you finally realize everything is a scam at some level. Whether its the government , college , working for a company. Most of it Is just busy work to keep the ants busy so they don't have time or freedom to think about what is happening around them.
    1
  1180. You are my new favourite money saving channel. The passion you had about those scummy banks had me pissing myself. Absolutely loving your content, please please keep sharing your brain with us...😆✌️💙
    1
  1181. based
    1
  1182. New subie here, great video Nicole! Thank you
    1
  1183. Meep Meep
    1
  1184. As a follow up, can you do a video on brands that are still high quality?
    1
  1185. I’ve heard of that tax theory. So stupid. Unless the marginal tax rate is 100% you’re still ahead of the game.
    1
  1186. There have been many studies that show once a perosn makes over I think it is $60,000 per year that they do not become happier. Things never make a person happier once the initial purchase is done. Normally they just keep costing more via maintenance, insurance, loss of those dollars,... Buying things is simply being sucked in by marketing trying to get your $$.
    1
  1187. Happy birthday, Levi!! 🎉
    1
  1188. What a great video, Nicole. Something different and so true. Thank you.
    1
  1189. Wow.. I never thought about what the cows go through. Thank you, I appreciate your honesty and love these videos. If the sheep would convert to rational thinking like this the world would be a better place
    1
  1190. Love the title. Made me click. The first time I've every come across your channel/content. Great video :)
    1
  1191. Thanks!
    1
  1192. You're lovely, i love watching you😊
    1
  1193. Two cars on the driveway, but F**k All in the fridge!😅
    1
  1194. V gang for the win!
    1
  1195. I worked at the University of New Mexico for thirty years. I tell everyone to stay away from all Universities because you will end up in debt with student loans and unable to get a good job. Most government universities are very corrupt and waste taxpayers’ money and cause rises in property taxes. And of course, Universities constantly raise tuition fees. Universities have become top heavy in high admin & I.T. salaries and not paying many instructors what they are worth.
    1
  1196. Thanks!
    1
  1197. To add insult to injury, we’ve been set up to be slaves to the system that keeps us in debt. Now we are stuck with jobs that we hate in order to pay for student loans, mortgages, credit cards and the list goes on. FML!!!
    1
  1198. Mint has saved me thousands and they offer insurance now too. Great money saver.
    1
  1199. Thank you for that editing thing i needed that been trying myself to get on the YT wagon but editing and storage of clips is a struggle
    1
  1200. I don't know who you are but damn girl, you know how to speak truth to power. Right on 👍👏
    1
  1201. love it, smart investments get big successes! we agree, health is wealth! 💪
    1
  1202. AtN, excellent content,,,,,as usual.
    1
  1203. you are so beautiful.,<3
    1
  1204. 🎉🎉🎉🎉🎉🎉 to 20,000!
    1
  1205. It's Biden's fault your brother got fired?
    1
  1206.  @AccordingtoNicole  that is AWESOME! Thank your j so much for sharing
    1
  1207. Capitalism, the biggest scam of them all.
    1
  1208. Great video as the year comes to an end. I’ve already listed the things I no longer need in 2025. I’m calculating how much I’d save once I’ve cut off certain unnecessary subscriptions
    1
  1209. Deep stuff, you make me thing too much and now my head hurts 😹👍🏼 😹 Seriously though... love the video and can't wait till next week 👊🏻
    1
  1210. Great video. I love Gling AI, too...absolute game changer.
    1
  1211. Love my Helix! I’ve had it for 4 years and best sleep I’ve gotten
    1
  1212. Thanks!
    1
  1213. We made our own third place in our backyard. Every Friday we have friends over from 6-8 pm. It has really been nice.
    1
  1214. Thank you for calling out the dairy industry. The dairy and meat industries are the most fucked up shit.
    1
  1215. Thanks!
    1
  1216. Engineering here. The higher up you are = The better you are at passing off work to someone else.
    1
  1217. while simultaneously acknowledging the need for a revolution. Here, I said it for you.
    1
  1218. Thanks!
    1
  1219. You are spot on about corporate culture. It's the same stupid follower attitude that makes isolated virgins think that Elon Musk is a genius, and southern trailer trash think that a New York real estate moron is their hero. Only donate locally, and by that I mean a check made out to people in your neighborhood that you can personally see are doing something that you want to support. If a cashier at a retail store asks you to donate, tell them absolutely not. Corporations don't need your donation, they will donate their own money in order to avoid taxes.
    1
  1220. It's not a pyramid scheme ..it's a triangle strategy, very different 😉
    1
  1221. "EAT THE RICH"...!!!
    1
  1222.  @AccordingtoNicole I am debt free.
    1
  1223. Exactly! The thing that stops most people is lack of self confidence. There’s so many creative ideas out there to do. Even ‘Pooper Scooper’ a business I heard about that nets over $100,000 a year cleaning dog poop out of people’s yards ! Lol
    1
  1224. Thank you so much for sharing the nasty info on the dairy industry.As a vegan myself it's something I believe is one of the biggest scams there is and people need to wake up and realize it.
    1
  1225. #photobomblove 😘
    1
  1226. Love you, Nicole!
    1
  1227. Here on the recommendation from Money Moms channel. Can't wait to binge watch your channel.
    1
  1228. When you work for yourself, it's hard to make boundaries. There's always one more opportunity...and then another, and another. I think working smarter, not harder, is better. If you work and work and work, what happens is that you get so tired that you cannot bring your A game to each opportunity. But you will most likely try to, and you either burnout or hurt yourself or both. Also, when you do too much, your performance WILL be lacking in ALL the opportunities....no matter how hard you try. My husband literally worked himself into choices he felt ashamed of and then to his death. 30+ years of maximum exertion. And for what? He didn't die happy with himself. The truth is that you absolutely MUST balance your life. Tell yourself that whenever the guilt gremlin pops up. This shit isn't a sprint. In order to keep doing your best, you have to take rest. But please do invest in your future. At your age, one dollar saved is exponentially more when you are older. I sure wish I had listened to people who told me that when I was younger. I wish you much luck on your burgeoning channel!!! Great job!
    1
  1229. ❤❤❤ your sense of humor 😂 keep rocking it Nicole!
    1
  1230. As an esthetician, I endorse the pillowcase changing tip. 😊
    1
  1231. I guess everybody is pissed off now in one way or another 🤣 Still looking forward to Part 6 ✌😄
    1
  1232. Thanks! Word of advice from an old stylish but frugal avocado, avoid things that get constant unceasing ads made trying to get you to buy yet more expensive stuff🤔🙄😒
    1
  1233. Wow, very wise video!
    1
  1234. Love and agree with them all! Will be looking into mint mobile as I currently pay $90 for the basic which is ridiculous. Thanks for mentioning it as I see those ads for it all the time but it didnt click till you said it!
    1
  1235. I needed to get a new catalytic converter, so I got a credit card, paid for it with that (had the money to pay it off right after, but I'm using the intro 0% APR to spread the payment), immediately hit the sign on bonus, and put it towards a new tv which will replace the one that coincidentally died around the same time.
    1
  1236. Watching from Alabama. Merry Christmas! 🎄⛄🎁
    1
  1237. I started my invisalign 2 weeks ago too! (changing to my 2nd set of trays in 3 days). I hope it all goes well for you !
    1
  1238. The wonder years tour poster 🔥
    1
  1239. Dairy has been the source of my IBS. I think it is absolute poison to the adult gut Also, watching that mother cow running after her baby, absolutely broke my heart 😢
    1
  1240. Thanks!
    1
  1241. Here at 99,800 subscribers. On the road to 100k!
    1
  1242. Privatized health insurance exists in the US because corporations want people to remain desperate and easier to abuse.
    1
  1243. Thanks to deregulation (starting w/Reagan) and union busting ...
    1
  1244. I have a Norfolk, too! She is also my ride or die. I have had 5 Norfolks total in my lifetime. Best pups ever.
    1
  1245. SOLD! Thats a hella bargain right there. Thank you so much
    1
  1246. Best South Park episode ever. All right who dressed it up in suspenders.😅😅
    1
  1247. Thanks! I actually make an attempt to watch your new videos every week. So far I'm hooked.
    1
  1248. Great video!
    1
  1249. Best thing I ever did was switch to a whole plant food diet. Completely transformed my health. Yoga is also excellent.
    1
  1250.  @AccordingtoNicole  My bad, Nicole! I'm only 20 so I don't know much! I'm Canadian as well. The prospect of YouTube looks fantastic. It looks like a lucrative endeavour if done right that's why I wanted to know more!
    1
  1251. I think your work is great!
    1
  1252. Oh my goodness you are doing GREAT! To put that into context, currently there are four YouTubers I make it a point so watch weekly and you are one of those. I do occasionally watch others…they come and go, but I’m hooked on your channel because I learn every time I watch. Simple. And no, I didn’t get that ad. I did however get others throughout the video🙃
    1
  1253. Totally agree about financial advisers: invest in index funds like S&P and that’s it. Don’t pay fees
    1
  1254. People often say vegan is expensive but i save a lot of money being vegan, my health, the animals and the environment benefit too!
    1
  1255. Thanks!
    1
  1256. The super rich also use “charities” they created to avoid paying inheritance taxes. The dude who owns (owned?) Patagonia (I think) said he was giving all his money back to charity to help the environment. But he really just set up a charity, put his heirs in charge of the charity at massive salaries, and avoided paying taxes. And control of the assets was maintained. He got great press for it too, all the while ripping off the tax payer. Infuriating. But, as a society, we let it happen.
    1
  1257. ​ @bkrbkrl  You are naive if you assume that she wants to look at things objectively, though she might think she is. She isn't. She's obviously a leftist, anti-capitalist (read anti free market) pro big gov't, pro gov't intervention. None of us are truly objective. I stay subscribed because she's obviously smart, opinionated and want to see her perspective. She's authentic. I would not want her to morph into a fake politician saying things to please the audience. I don't have to agree either.
    1
  1258. lowering thermostat temperature from 22 to 19°C saved me around 30% gas.
    1
  1259. In the US, the salvation army, red cross, good will, are all FOR PROFIT. To the best of my knowledge, Saint Vincent DePaul is all voluntary. But if the proceeds go to the Catholic Church, then that's a scam, too...
    1
  1260. Blah blah blah
    1
  1261. Okay, I've been a casual watcher...but you've consistently given me things to think about. You have a new subscriber. You present different topics in unique ways. I look forward to your next drop.
    1
  1262. Congratulations Nicole and well deserved 🎉
    1
  1263. Love how you’re intrinsically you. Kudos Nicole ❤❤
    1
  1264. Getting rewarded for doing something replaces your internal motivation with an external one. They teach about this in psychology. They used to suggest rewarding wanted behaviours, thinking that it would increase the person's motivation, but external rewards (like money) create extrinsic motivation (or motivation from outside yourself), and they found that not only does it not increase intrinsic motivation, it diminishes and replaces it, meaning you don't feel motivated from within to do the thing anymore, and you don't want to do it unless you are getting rewarded (in this case, paid).
    1
  1265. Thanks!
    1
  1266. Geez....I have respect for you Nicole. "I've said all that I have to say about this" Love that!!!
    1
  1267. #2. Health care: the government intervention is to protect the companies that feed off the citizens. The republicans, in bed with corporate America, defund education at every turn. For obvious reasons.
    1
  1268. THE SPAGHETTI AND MEATBALL STORY HAS ME LAUGHING SO HARD...
    1
  1269. This is my third or fourth of your videos I’ve seen this morning . Love them and learned a lot.
    1
  1270. Charles Bukowski wrote a wonderful poem about this very thing...entitled "Excuses" once again I hear of somebody who is going to settle down and do their work, painting or writing or whatever, as soon as they get a better light installed, or as soon as they move to a new city, or as soon as they come back from the trip they have been planning, or as soon as… it’s simple; they just don’t want to do it, or they can’t do it, otherwise they’d feel a burning itch from hell they could not ignore and “soon” would turn quickly into “now.”
    1
  1271. Thanks!❤😊love listening to your videos
    1
  1272. Yes Nicole! I'm only here to see Levi!!! Love Levi!! 😂
    1
  1273. Happy New Year. I have been watching rant YT videos for an hour. Oddly, I feel uplifted. 😀
    1
  1274. 0:25 SLEEPIN ALL DAY ☀️😴 STAYIN UP ALL NIIIIIGHT 🌙😜
    1
  1275. As a coffee snob, I approve of your sponsor!!! Also, I'm glad I stocked up on used, cheap LPs and DVDs. Some of those LPs aren't so inexpensive anymore!
    1
  1276. 😘
    1
  1277. Looking forward to Part 6, 7, 8… 🙌
    1
  1278. I am glad everything worked out. I really enjoy listening to you, but there is one thing: you talk way too fast for some of us. I can understand, but I have to concentrate hard. Maybe try to slow down a bit? You really have interesting and important things to say!
    1
  1279.  @AccordingtoNicole  ok bye then . Your attitude is very immature and very disrespectful.
    1
  1280. Religion persists because only a tiny percentage of the earth's population is scientifically literate.
    1
  1281. Thanks!
    1
  1282. Billy Talent tickets AND a Blink182 reference at the end?! ❤ Subscribed! 😂
    1
  1283. I'm impressed that the sponsor actually seems to have a useful product for a reasonnable price.
    1
  1284. 3.30 am! They must be robots. I’m so glad to hear i’m not alone in needing my sleep. I think it is connected with anxiety depression. I need more sleep than others to manage it. I do lots of exercise and have a healthy diet. Most mornings if i’m not working an early shift i will wake between 9 and 11am. My job (care in community) requires i get up about early 10 mornings a month. When i do lates- it’s a 4pm start. So it’s working for me for now. I don’t think i could go back to the 9-5pm I used to do. If you don’t get enough sleep - you might be dead before you know it! Sleep is so important.
    1
  1285. It was normalized around me to have a car note and for years I’ve had a note but I’ve also paid them off and kept for years. I have no car note and I plan on driving my current vehicle until the wheels fall off…lol. Thanks for the great content! ❤
    1
  1286. Yeah. People make poor financial decisions. And then they vote for Trump, thinking he will make their bills disappear. Well he won’t.
    1
  1287. A little support I can do.
    1
  1288.  @nikkimarie7576  Capitalism is basically falling down in exactly the same way that communism did 30 years ago. Corruption of the economic system, concentration of power and resources in the hands of a very privileged elite at the expense of the common person. It will eventually fall the same way and we'll have to try something else.
    1
  1289. Couldn’t agree more about religion. I have said for many, many years that all religions are man made. All they do is separate one from the other and make it somehow worthy to kill those who don’t believe what you do. I’m not sure ‘scam’ is the right word for it though. It’s like mass brainwashing.
    1
  1290. Mushroom 🍄 🤮 and zucchini barf
    1
  1291. Theonlybandever!
    1
  1292. Is that a The Wonder Years poster? Thats one of favorite albums of all time!
    1
  1293. On mint mobile I paid $120 for the whole year :D no phone bill till 2025
    1
  1294. Hi, hi! Just found you, so new subscriber 🤗 I am totally a frugal person, but not cheap. And a fellow Torontonian! Looking forward watching more of your content!
    1
  1295. Zocdoc just what I have been looking foe. Thank you.
    1
  1296. Thanks!
    1
  1297. I subscribed after watching this. So relatable to me, as I feel like I am too hard on myself sometimes for spending things most other people consider to be part of a 'normal' living expenditure.
    1
  1298. Thank you, Nicole!
    1
  1299. SHE DIDNT HAVE KIDS LOL
    1
  1300. I love your house it’s beautiful 😊
    1
  1301. I see a lot of me in you or do I see a lot you in me ?? hmm, gotta give that some thought ... Love your channel 👊🏻
    1
  1302. Thanks!
    1
  1303. Thanks!
    1
  1304. Currently Koodo has 10GB for $39.00 a month for anyone in Canada that can use this.
    1
  1305. I really needed this video. I’m gonna get my shit together and get the job that pays enough to pay my bills and have enough for my future.
    1
  1306. Products and services are basically available 24/7 and that is why anything does not feel special anymore. I remember when I was a child/ teenager, people will rush to their home because a new episode of their favorite cartoon/serie will be on tv. And at that time it was one episode per week. Now, you can binge watch the whole serie from anywhere and anytime from your phone/ipad. I remember there was one man (he is in his 50's) told me that when he was a child, he was only allowed to drink one glass of cola in the weekend and have some sweets. So it was very special for him and he was always looking forward to it. Nowadays, kids can drink cola and eat sweets as much as they want everyday.
    1
  1307. Happy New Year, Nicole and followers on You Tube. Interesting view point - you do things your way and don't care what others think. To an extent I agree with that - however, without critique (politely put, of course) do we grow? We can reject critique, if, upon reflection, we don't agree with it but sometimes another viewpoint can be helpful. However, vicious Trolls, and Keyboard Warriors are another matter entirely and they need to get a life! Once again a thought provoking video, thank you. P. S. Getting rid of Levi would cause me to unsubscribe (and many others - I suspect!) Such a little star! But we know you were only kidding!
    1
  1308. alexisonfire! the only band ever!
    1
  1309. How many people just Googled themselves? Kind of shocking seeing your name, Ph# and address. Luckily I moved and got rid of the land line. phew!
    1
  1310. I can’t even find anything to watch on streaming services. I’ve been whittling them down. Also, I’ve never seen my dog so transfixed on a video as this one… then I noticed she was staring at your dog in the background
    1
  1311. You know who else loves Franks Red Hot, Nicole? Jesus. And he loves you too, Nicole. Jesus would never give you indigestion if you give him 10% of your income. It's never too late. (until you're in Hell with all the sinners who didn't pay up. then it's too late.) 🙏🏻
    1
  1312. Welcome to America with the Walmart mentality. It’s called filling the hole and then going into debt. Death by consumerism. Death by convenience. We are a land of apex consumers. We are selfish, shortsighted, and always contributing to one thing, the fxxking landfill.
    1
  1313. Unionize. No solution is perfect; but, unions definitely can negotiate better than one individual. Safety, training, benefits, pension, living wages. I work union & non-union projects; the same representation of awesome to not-so-awesome folks are on unionized & non-unionized sites. When you become a union member, you receive equal treatment & equal benefits.
    1
  1314. This is why capitalism doesn't work.
    1
  1315. I know this would be a contentious subject to some people (especially to Americans...), but you made no mention of the biggest scam of any, one that has conned gullible, naive and ignorant people for millennia on almost every continent. It is of course religion, in all its repugnant forms and guises. All religions are laughably silly nonsense, but two transcend mere silliness and can only be described as perniciously evil: one of them is islam, and the other is, need I say, christianity. Let's not kid ourselves here - religions have been, and still are, responsible for more human suffering and oppression than almost any other man-made factor, as one would expect from something that is simply about power and control. It doesn't reflect well upon the human race that it has subjugated so many of its people to something so unnecessary and so harmful, and still does so even in the present age of universally-available information and knowledge. What would a visiting alien think of us if he/she/it were to surreptitiously study us and our seemingly-infinite capacity to inflict evil in the name of religion? Would we be thought of as a civilized and intelligent populace, or a brutal thuggish people hiding behind a thin veneer of religiosity and civility?
    1
  1316. Thanks!
    1
  1317. No monopoly game ever ended without a war.😅
    1
  1318. 10:30 COMMUNIST!!!
    1
  1319.  @AccordingtoNicole  your on a great journey ever watched George carlin😀
    1
  1320. Keep up the good work.
    1
  1321. Wow Nicole, you know a lot! Very insightful video. I think it is really true that growing up in a frugal family really creates a different perspective on how to use money and what is essential and what is not. Love the vinyl!
    1
  1322. Before any perchase ask three questions. Do I need it, does it fit, can I afford it.
    1
  1323. I think a lot of the people in the comments are missing your point. They say to shop locally owned, vote with your wallet, but that’s quickly becoming impossible when all the options are owned by the same private equity firms.
    1
  1324. Wow. No thank you. I'll unsubscribe instead.
    1
  1325. How dare you? Are you saying that Love Day isn't a real holiday? That I wasted my money on the Loveland Lawn Decor set for my house? I'm hurt!
    1
  1326. No ad for me
    1
  1327. I only found you yesterday and I’ve been having a mini binge since. I really like you!
    1
  1328. #cancelamzonprime
    1
  1329. I’ve had mint mobile for over 5 years…it’s a no brainer
    1
  1330. Thanks!
    1
  1331. You got me screaming yes and Amen by 3:11. It's like a revivle up in here 😂
    1
  1332. Wow I didn't even notice the invisalign. I'm at nearly the end of my 2 year treatment and I'm still slobbering and lisping everything lol.
    1
  1333. Hi Nicole, Great video! Perhaps, do a similar video on academia and the construction of curricula as consumer fads. I have a BS and MS in computer science, which turned out well. But, from what I can tell, at least 40% of college students are buying academic swamp land.
    1
  1334. Our generation can’t do anything right, can we? Damned if we do/don’t. Over it. Voting with my dollars how I want to.
    1
  1335. god I dig your videos and humor so much
    1
  1336. Thank you for exposing the truth about dairy. #dairyisdeadly
    1
  1337. Wow I really enjoyed this video!!! Just you going through your day to day, what your town looks like and what you were eating was very interesting! I never think I'm spending that much but when I get my CC bill I'm shocked at how overboard I went! And I have to start using FB market for services like that! I had some bushes trimmed on my house and the prices that came in from the professionals was insane!!! Thanks Nicole!
    1
  1338. It's amazing how after you cultivate those hobbies and other income sources the more respectable people become to themselves and others. Since failing to give a shit about my job, I've become a better employee because I see the work for what it is - a wage, nothing less and nothing more.
    1
  1339. Money gives me independence. I prize independence.
    1
  1340. Spot on 🎯
    1
  1341. I remember when you first started YouTube. Look at you now! So damn proud of you!
    1
  1342. I have two tech diplomas (all paid for) and I take supplemental training (certificates, etc.) Everything you say is true.
    1
  1343. "Nooo, my Spine-O-Cylinder! They'll pay for what they did to my can"!
    1
  1344. Thanks!
    1
  1345. Interestingly, I related to both your previous video on 8 signs that you’re financially better off than you think AND this video — 😅 Time to change some things!
    1
  1346. Dance like nobody's watching because nobody is
    1
  1347. Yes definitely more like this please!
    1
  1348. The U.I. thing is an excellent point.
    1
  1349. Car payments for me came when I had kids. It was a fear of breaking down in older cars with them in tow. Then when the payment was normalized in my mind and the kids got older it became about how nice of a car I could get a loan for because the older you get there's a society pressure that says you better have something that shows how successful you are. It was a deep hole to pull ourselves out of, and very painful.
    1
  1350. Thanks!
    1
  1351. Your channel just gained 40 subs as I was watching your videos. Great videos! New subscriber here. Glad youtube is picking up this video!
    1
  1352. my fave channel
    1
  1353. Thanks!
    1
  1354. It looks great, much more warmer & personalized. I love those table lamps. I've yet to find an area rug for my bedroom
    1
  1355. Excellent Video... I was big into BMX and Skateboarding in high school (early 2000's) I would find an awesome song on a video and head to Sam Goody, Barns or my local record store and take a $12-20 chance (alot for a highschooler) on an album. Some records took time to grow on me and others were epic first listen. I appreciate that time in my life and still listen to a majority of those albums, but the whole experience was different and so much fun back in those days. (Hearing Yankee Foxtrot Hotel for the first time was especially memorable)
    1
  1356. You deserve all the success for persevering, Nicole!!! You are a great example!
    1
  1357. I love Mint Mobile! I went from 85$ a month to $15!!!
    1
  1358. Cmon to Cali, I love it here. Do we have issues, yes…just like any other state. But politics wise, I’ll take it over a LOT of other states. If your politics differ, thennnnnn it may not be for you🤷🏾‍♀️
    1
  1359. Thanks for being transparent. My guess was $200 - $300 but that's wild, congrats.
    1
  1360. Nicole, your tribe is here.................
    1
  1361. Nicole, I love your videos. You are no nonsense and I like this. I am merging into veganism after watching your video where you mention you are vegan.
    1
  1362. Thanks!
    1
  1363. I shared that video on my Facebook feed and in a Facebook minimalist group.
    1
  1364. Fast food has so much sugar, which is probably what made you dehydrated. And eating it at night will Def keep you up and miserable. Great video!!
    1
  1365. HUGE CONGRATS ON 1000!!! 🎉🎉🎉
    1
  1366. Plastic straws vs the airline industry. Which is worse and why are ppl only freaking out about one? The reusable plastic bags aren't recyclable either btw, and the thicker plastic is worse for the environment unless it's used at minimum 30x, and it needs to be washed which basically no one does so they're nasty IMHO. As a cat owner, I miss grocery bags to have for cat litter scooping and change of litterboxes. Also the price of garbage bags has gone up and never having grocery bags as backup sucks. Idk why biodegradable plastic bags aren't a thing. Speaking of pink tax, another one is cat tax. Seriously why are the same products like toys and bedding more expensive for cats when they're usually worse quality.
    1
  1367. Love Mint! Going on 2 years now and we've been pretty pleased with the service.
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  1368. Say it with me, NOTHING IS FREE!! have been a Mint Mobile customer for 4 years now. Can't beat the price!
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  1369. 9 MONTHS LATER, 107,000 subs. Not sure what to say that doesn't sound patronizing, so TURTLE POWER!!
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  1370. I find her very depressing and miserable!
    1
  1371. I do some side work and for that I get paid in cash. I will therefore have cash and use it for things like groceries. If I didn't have cash from that I'd use my card and simply pay it off at the end of the month . Truthfully for people who are NOT spenders, people who are nerds and watching finance videos, it's not surprising that we don't have an issue not overspending no matter which method of cash/card. If someone is an overspender for sure I think dialing back and using cash based on ACTUAL limits would be very helpful to give them a reality check.
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  1372. By human psychology the more we have the less we appreciate un ironically
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  1373. Student loans are a huge scam. In the US we used to have free universities; now we encourage relative children to take out huge loans at 6 or 7% thereby saddling an 18 year old with a big mortgage. It’s appalling!
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  1374. Really great video! So important to hear
    1
  1375. I drive a 2004 Toyota Camry - gets good gas mileage
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  1376. Note to self, go to a local roaster and buy some fresh roasted beans
    1
  1377. I always appreciate that you're definitely a huge classic simpsons fan
    1
  1378. Fugazi had a song in 1998 called "Five Corporations", and since that time it seems that corporations have carved up even more of the world than ever before. Politics here in the USA has become a corrupt big money game where money equates to direct actions that mainly benefit the wealthiest power brokers over most of the people, and the so-called justice system has become a sham just to mainly and unfortunately protect the wealthiest power elites over the common people. The only hope for real change is for people to wake up and vote for better leaders to reasonably regulate these vicious corporate abusers, and I'm glad that you make videos which address these types of topics.
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  1379. I save $50 a month by unplugging the washer, dryer & microwave. I only plug it in when I use it.
    1
  1380. I work at a library and have never heard of blinkist, really like the idea and will probably try the free trial
    1
  1381. Religion is the first MLM.
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  1382. Dental plan. Lisa needs braces. Dental plan. Lisa needs...
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  1383. it is baffling to me that using money for what it's actually for is perceived as being "cheap" lol
    1
  1384. I'm working on a video about my budgeting method, and this is a key part of it - you need to realize what genuinely makes you happy, and prioritize that. When I was younger, I lived on a budget of something like $500 a month, which taught me a lot about where happiness and satisfaction actually comes from. Personal finance is personal, and all the "money-saving hacks" in the world cant undo that.
    1
  1385. Thank you Ms. Nicole 🙏.
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  1386. Goodwill is a prime example of a charity that abuse their employees they pay less than minimum wage to employees how is this possible they hire people with down syndrome or police records they also time them to see how fast they do they job and the CEO makes 6 million dollars and bonuses how is this far
    1
  1387. Great video! Kisses to that adorable doggie. 🥰
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  1388. Oh it's more than just <living> with their parents for too long. They were infantilized by their parents, too, it's learned helplessness. It would be a rare thing to see a person raised to be self sufficient, to suddenly turn into an adult toddler once they hit chronological adulthood. I'm not gonna bust on you too hard for leaving out GenX, since most of us just kept our heads down and went out and did the damn things when we turned 18. I'd really love to see this one transcribed and put up on Medium - it needs to reach an even wider audience. Well done!
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  1389. Nicole this is one of your best. Thanks
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  1390. Spot on with the HS concerns- I used to teach grades 8-12, and yes, it is a scam. It teaches simple, black and white thinking (multiple choice) and indoctrinates our youth to the capitalist status quo. Students loved my psych class because it was real life applicable, and I loved teaching it. Everything else was nonsense.
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  1391. Thanks!
    1
  1392. Clearly you don’t have kids
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  1393. Great Video! Thanks for the reminder. Viva la revolution comrade
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  1394. Thanks!
    1
  1395. Love this video so much! 💯 hits the nail on the head!
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  1396. Congratulations Nicole!! I love your content, as well as your sweet sense of humor! I hope you hit a million subscribers very soon!!
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  1397. Yes pleas find Jesus, times are tough and he needs your money 😂😂😂
    1
  1398. I always agree with your videos in this series, but I will argue one point: the zero waste movement is not a crock of crap. Yes, some of it is. But you missed a HUGE reason why it's a scam: the price. I touched on this on my blog, about how if they really wanted change in the world, they'd make it affordable for all people, but apparently being sustainable is mainly for rich people (though poor people can still do things that makes a difference). Here's why I disagree on your one point about plastic bags in the zero waste movement, you say you have to buy plastic reusable bags, but why? There are other options. I have Bag Pods from Amazon, they are washable and I think nylon? I've only ever thrown one away (my cat peed on it!), and have had them for many years. As for the plastic bags not being offered in your area anymore and now you have to buy garbage bags? No you don't. Nobody "needs" garbage bags. A) Paper products: recycle or do I what I do and burn--no, not great for the environment, but I don't claim to be 100% awesome. B) Wet Garbage: your food comes in bags, does it not? Save them to put wet garbage (and cooked food waste) in to throw away. C) Dry Food Waste: compost. It's not that hard. I use a huge garbage can on bricks (and make sure there's both brown and green waste and water in it and make sure to turn it). D) the rest of your garbage does not need a bag, just throw it in the can. E) Recycle things like cans, metal, glass, and other things that aren't bad for the environment to recycle (unlike plastic). You don't need garbage bags at all. And you don't need to buy plastic-based shopping bags either. And if the zero waste movement wanted to get real about actually making a difference, they'd make it affordable for all.
    1
  1399. Fr, every millennial has known this. Plus, we're all forced to watch while the people in power disassemble the world and blame us for it Also, this is exactly why the "illuminati" secret society bs drives me so crazy. We don't NEED a secret society destroying the world while the criminals are publicly trading in front of us😒
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  1400. Thanks! i love your videos
    1
  1401. Religion is also used to brainwash people into adopting values and behaviors that go against their own personal interests.
    1
  1402. Intentionalism, just became an identity
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  1403. The Republicans didn't want to raise minimum wage, corporate greed left unchecked, after the pandemic corporations got greedy and raised prices to historic levels while not paying their fair share of taxes, hence the reason we are at this place.
    1
  1404. Okay 3rd and final comment lol but i just wanted to say i absolutely loved this video. It hits so close to where i am in life right now it's almost uncanny.
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  1405. YES YES YES on the unpaid internship section. The first thing it makes me think about is how much this proves that the poor will stay poor (in this system). Like you said.. if you don’t have a family propping you up financially for the duration of your “unpaid internship”- well you’re not gonna be doing well. This probably has more affects on our society than we even realize. Think about old money families.. many (probably most) are deeply conservative. If their kids are the ones getting these internships.. guess who’s gonna have a leg up when it comes to who is CEO or successfully backed in politics..
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  1406. Thanks!
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  1407. I found you in November and you are my favourite YouTuber ever since! Your content is sincere and helpful and fun, keep doing great! ❤❤❤❤ btw would you do video on your self care? This topic is nowadays so associated with consumerism… I’m very interested to know your take on this
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  1408. The root cause is oligarchy. Billionaires work with lawmakers to reduce competition and that relieves a lot of the pressure they feel to keep prices low and quality high. More and more money, and more and more businesses, are in fewer and fewer hands. Sectors where the government regulation has the most influence are already basically scams - healthcare, higher education, credit, etc., but other sectors are following - housing, entertainment, food - as competition is reduced. Why did lawmakers want to ban TikTok in the US - to create a “fire sale” where their billionaire donors could pick it up cheap. A nice healthy dose of fear-mongering propaganda helped cover up what was really going on. Now having at least temporarily having dodged that bullet, the folks at TikTok know where their bread is buttered and will make sure they don’t anger the new powers-that-be. Fine for them, but not great considering how many young people are getting their news from that app.
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  1409. Hi Nicole I totally agree I’ve been doing it buying stuff thinking it gonna make me feel better but it’s not. Thank you for sharing your videos are very valuable to me I really appreciate you ❤❤
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  1410. For Q&A: What investments (stock market) do you invest into? Thaaaanks
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  1411. To anyone who is reading this, I use Aura and it's worth every penny.
    1
  1412. A harsh truth that people need to hear: you can't love animals and eat meat. Those two things are mutually incompatible. In my opinion.
    1
  1413. Sounds reasonable to me 🤷🏾‍♂️ You made the case well. Your friends are a priority in your life and you honor them; you see your dog as an actual deserving being, like he's family, like you LOVE and CARE for him.. and because he is and because you do, you act like it (how most people should treat their animals but shamefully don't) So i got nothing but respect for you. It seems pretty straightforward! You know who you are, what you want, and you clearly got your shit together on that (again, things that most people can't claim about themselves) I couldn't judge you if i wanted to. And I don't. Want to. Maximizing yourself, your friends and family, and your time, and minimizing the extraneous things that otherwise get in the way, doesn't sound especially weird to me. Nothing to see here. Do your thing, homie. Love and respect. Say hi to Levi! 👏🏾🥂🔥
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  1414. If you are going to buy from FB market, CL....or some other place similar for a car .. having knowledge of good cars to buy (plus a pre inspection from a mechanic friend- is it leaking any fluids?, are the fluids full?...visual plus TEST drive, ) is helpful. This is risky, because you don't have a warranty. (buying from the general public can have risks...BE SMART). Here are some clues to a good car: Garage kept- NO RUST (or a small amt.) Service Records- carfax (no accidents, was the oil changed every 3-5k miles?) # of owners. How the car was used and maintained may be more important than # of miles on the odometer. ( a car with super low miles could have parts that are rubber/plastic that get brittle and dry out from non use of the vehicle). IF you are going the "Dealer" route, with a CPO (certified pre-owned) car: Purchasing a Certified Pre-Owned (CPO) car can be a wise choice because it usually offers the buyer an extra level of quality assurance. KBB states that each manufacturer has different standards for CPO vehicles, but they're typically less than five years old and have less than 75,000 miles on them. Generally, the dealer has checked all major systems and reconditioned the vehicle. Many dealers also offer these vehicles with warranties. ALSO: To help ensure you're buying a car you really like, take the time to do your research and negotiate. OK- In this last paragraph ... "Take the time to do your research" THIS IS WHERE YOU CAN GET CONFIDENCE- For my last vehicle purchase (Feb 2024) I had a few vehicles in mind... AFTER many hours of researching the internet for "good used cars" ... even Toyota and Honda have certain years/make/model to steer clear from. Hope this helps someone. (ended up with a Toyota with 175k miles- absolutely cherry- garage kept- service records- and got it for low $ from CL - in 4 months, just oil change and inspection. She's a creampuff.)
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  1415. I have had mine for a year and I still love my Helix. Update us in a year from now. ❤ And Nicole, the bedroom makeover is fantastic 👌
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  1416. Choke was one of the first books I ever read, all of his books are equally bizarre if you end up reading another
    1
  1417. I drive a 2015 corolla that has only 78000 miles on it. The top coat on the rear bumber/trunk has started peeling(Texas heat),so it's not the prettiest car on the road. But it takes me where I need to go and it's PAID OFF. Car payments are the devil, not sure why ppl are so eager to put themselves in that position.
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  1418. I love you Leviiiiii🥺🥰😍
    1
  1419. Life is a go-cart that bring back all dinged up and smoking. Fun!
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  1420. Payday loans and pawn shops, if you need quick cash you’re better off listing it online and selling.
    1
  1421. The other side of unpaid internships, the businesses know, 6mo to a year later they can get a new graduate, essentially keeping a role indefinitely fulfilled with slave labor...
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  1422. Thanks!
    1
  1423. Congrats on the 100k subs!
    1
  1424. "Oh, then after your final monthly payment there's the routine CBP, or crippling balloon payment".
    1
  1425. Crypto currency! (Tryin to help ya out!) Love your videos and this one is especially helpful for me! Thanks girl!
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  1426. " Boredom equals success", is now written in red ink on the top of my August calendar page. And, I'm going to embroider that on a towel too. Guess that says it all. ^j^
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  1427. had to subscribe after this one
    1
  1428. Thanks!
    1
  1429. Coffee nerd here ✌️ you should try changing your grind size to get a slower shot. It looked very fast. Try to hit 25-30 seconds. Have a great day :)
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  1430. Thanks, Nicole. I’m a fitness coach and always looking to learn new material. ❤
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  1431. 😂 this video made my day. 🎉
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  1432. Thanks!
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  1433. Merci!
    1
  1434. 😘
    1
  1435. Like your videos with my coffee on sundays!
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  1436. LOL! I like how you go for the juggler
    1
  1437. Thanks!
    1
  1438. Great video as always, Nicole! I always look forward to your stuff on Sundays!
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  1439. I love Rise Against!
    1
  1440. I was first drawn to your voice and the speed of your speech. It's clear, authentic and sincere. It sounds very genuine and not pretentious. Later, I love how frank and direct you can sometimes be. Not being afraid to shoot or put a mask on. I simply love you as a person. You go, girl!
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  1441. I started binge watching you last night and the subscriber # was 1.70K.....it's now 1.96K - congratulations! 😃🥳💣🎂🍷🍾🥂
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  1442. I love rise against
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  1443. I really love your videos.
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  1444.  @AccordingtoNicole  My 10 yr old chihuahua mix has a murmur that has been monitored for years. Last month, he was started on Vetmedin. It has given him some tummy upset, but we'll see if he adjusts. It's hard when our buddies get older and have medical needs. People come and go from my life, but my buddy is constant.
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  1445. You had me until six minutes in your ad referred me to a soul less corporation. Done with you forever
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  1446. Don't let her gaslight you. She's trash
    1
  1447. The dark ages turned out to be the golden era.....
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  1448. I loved this! I think you are absolutely charming x
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  1449. Do some research on the dairy cartel in canada. You are getting scammed.
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  1450. Great, thought-provoking, well-researched video Nicole. Subscribed, was long overdue. Thank you for the sponsor info too, looks useful.
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  1451. Thanks!
    1
  1452. I love hearing the US implied to be a developing country LOL it's too real...
    1
  1453. I have turned my hobbies into jobs twice, and both time I lost the passion for them, they became repetitive, and stressful
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  1454. Everytime I see a "___ is ruining everything" video (which are usually completely valid and should be talked about) its really just discussing branches of capitalism. At the end of the day CAPITALISM is what is truly ruining everything. It cannot be reformed it must be deconstructed and a new system must take its place. A workers revolution must happen.
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  1455. Thanks!
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  1456. I’m still a pretty small channel and I’ve only been monetized a month and yeah, it’s barely enough for a meal at Burger King! Lmao 😂 don’t give up folks keep trying keep going for it — you got this!! ❤❤❤❤
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  1457. Investing is such a big one, and staying consistent is key. The other thing people don't talk about with it is the psychological benefits that you get after several years - with some assets built up, an unexpected expense or a job loss becomes an inconvenience, not a crisis. You stop worrying about whether you'll be able to pay for rent and food, and start looking for more opportunities instead.
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  1458. Thanks!
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  1459. In my opinion this may be the most insightful and important video you've posted yet. Thank you for this.
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  1460. Thanks Nicole, this is maybe your best video yet. I always tell people to vote with their wallets. I try not to buy from Republican owned businesses, for example. Not that Democrats are much better about cRapitalism.
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  1461. Congrats on 100K subscribers!
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  1462. Just received a notice from bank they r going to charge me a fee for cost of paper. I said I'll b there to take my 💰 out ASAP..... They waved 👋 it .. $$$
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