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What To Do If You’re 30 With No Savings

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What To Do If You're 30 With No Savings



Thanks so much to our partners at Monarch! Get 50% off Monarch’s Core Plan with our code ‘TFD50’: https://bit.ly/44MrLCT

Chelsea talks about the milestone of turning 30: how much of its weight is entirely made up, and *also* how to view it as a turning point to get your finances in order. If you’re turning 30 (or already past it) and don’t have anything saved, this video is for you.

OTHER FINANCIAL PRODUCTS WE PERSONALLY RECOMMEND:
-Investing app – Betterment: https://bit.ly/3OejinG
-Financial Advisory: Advisor.com: https://bit.ly/4dXOaTI

SOURCE LINKS:

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https://www.investopedia.com/how-many-people-in-their-30s-lack-a-retirement-account-and-why-it-matters-for-their-future-11983968

https://www.investopedia.com/why-26-percent-of-americans-are-spending-beyond-their-means-as-financial-pressures-mount-11983948

https://www.investmentnews.com/retirement-planning/emergency-savings-gaps-are-quietly-draining-american-retirement-accounts/267120

https://www.nar.realtor/press-releases/first-time-home-buyer-share-falls-to-historic-low-of-21-median-age-rises-to-40

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https://www.fidelity.com/learning-center/personal-finance/retirement-or-house

https://www.census.gov/newsroom/press-releases/2025/families-and-living-arrangements.html

00:03:50 Our favorite budgeting app
00:04:57 Understand why you don’t have savings
00:08:45 Decide budget tweaks you can make today
00:11:00 Make long-term changes
00:13:29 Make a plan to save your first $1,000
00:15:35 Plot your next steps
00:17:55 Have your big money conversations before getting married

Other TFD videos mentioned here:

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Financial System Explained in 60 Minutes Like You’re 5

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Financial System Explained in 60 Minutes Like You're 5



🚀Grow your YouTube channel with BrandLytics at: https://brandlytics.ai

✎ Get free access to our vault of PDF summaries for every YouTube video here: https://believe.evancarmichael.com/the-vault

✎ Check out my NEWEST video: https://goo.gl/E0eE6m

✎ The modern financial system can feel like a rigged game where nobody ever taught you the rules, causing the cash in your bank account to lose value every single day to inflation. This video breaks down exactly how the money machine works, moving from the shift to fiat currency in 1971 to the way the Federal Reserve uses interest rates to control the economy. You will learn the incredible history of AP Janini, the legendary founder of Bank of America, who proved that the entire banking system is built on simple human trust, and see how things like fractional reserve banking and credit scores control your regular life.

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✎ To stop being a passive passenger and beat this system, you need to understand how to build real earning power instead of letting your savings slowly drain away. For entrepreneurs, coaches, and consultants, the secret to growth is moving away from cheap products and focusing heavily on high ticket offers that bring high value. We look at the actual math of why a single premium package beats a low ticket hamster wheel, an economic reality supported by top business minds like Jenna Kutcher who understand the heavy marketing costs of trying to sell to the masses.

✎ Finally, you will get a step-by-step breakdown of two specific tactics designed to land these big clients through real human connection. You will discover how a bisdev interview show allows you to build deep relationships with your ideal prospects to systematically manufacture warm business referrals. You will also learn how to create buyer breakthrough videos for your website to answer top client questions, beat objections, and unlock massive business growth so you can finally make the rules of money work for you.

✎ To get more details on all the research and studies mentioned in this video check out the articles below:
https://www.lifeandlaunches.com/
https://jennakutcherblog.com/
https://jennakutcherblog.com/
https://www.demandsage.com/

Index


https://descript.com/
https://www.pragmaticinstitute.com/
https://hai.stanford.edu/

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★ BOOKS ★
• Momentum: https://amzn.to/3kJZIAv
• Build to Serve: https://amzn.to/3XZiCSg
• Your One Word: https://amzn.to/3R9qVII
• The Top 10 Rules for Success: https://amzn.to/3JcNZVe
• 254 Confidence: https://amzn.to/3jdh9c2

★ RECOMMENDED VIDEOS FOR YOU ★
If you liked this video, you’ll love these ones:
• This AI Business Model Is Creating Millionaires In 2026 – https://youtu.be/7NPBXa7tPyU
• How to Use Leverage to Build Real Wealth (Instead of Working Forever) – Robert Kiyosaki – https://youtu.be/0RS3DwVTAyE
• How Steve Jobs Convinced the World He Was Right – https://youtu.be/5iOBJgr1YSI

⚑ SUBSCRIBE TO MY CHANNEL ⚑
If you want to do great things you need to have a great environment. Create one by subbing and watching daily.
http://www.youtube.com/subscription_center?add_user=Modelingthemasters

ツ CONNECT WITH ME ツ
Leave a comment on this video and it’ll get a response. Or you can connect with me on different social platforms too:
• Skool: https://www.skool.com/believenation
• Instagram: https://www.instagram.com/evancarmichael/
• TikTok: https://www.tiktok.com/@evancarmichael
• X.com: https://x.com/evancarmichael
• Linkedin: https://www.linkedin.com/in/evancarmichael/
• Facebook: https://www.facebook.com/EvanCarmichaelcom
• Website: http://www.evancarmichael.com

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—————————————————————————–

Thank you for watching – I really appreciate it 🙂
Much love,
Evan
#Believe

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9/20 Strategy in indian and crypto market. #trading #trader #cryptotrading

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9/20 Strategy in indian and crypto market. #trading #trader #cryptotrading



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I’m pretty sure saving money is a lie…

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I'm pretty sure saving money is a lie...



Thanks Ultima for sponsoring this video! Stay hydrated every single day with Ultima Replenisher: Head to https://ultima.yt.link/GYuehGy and use the code THATPRACTICALMOM20 for 20% off your order!

For decades we’ve heard the same advice: skip the latte, spend less, invest the difference. But that assumes our biggest financial problem is knowing what to do with money. For most people, it isn’t. Between rising costs, endless ways to spend, and the fact that many Americans aren’t really pro investors, the actual challenge is changing our spending habits. That’s why I think we see today’s financial advice is shifting away from investment strategies and toward helping people keep their money from disappearing in the first place. I’m sharing some of the ways we’ve changed our own spending and buying habits to do just that.

0:00 – The Problem with Standard Financial Advice

3:26 – Why We Switched to “Downshifting”

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5:15 – Sponsor: Ultima Replenisher

6:27 – Questioning Social Spending Norms

11:06 – Deconstructing Advertising

12:48 – Understanding Lifestyle Inflation

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15:52 – The Cost of Modern Convenience

18:25 – Practical Tricks to Stop Impulse Spending

👋 WHO AM I?
Hi! My name is Kallie Branciforte, AKA That Practical Mom™. I’m here to share practical life hacks to help you get organized realistically, find attainable productivity, and simplify some of the chaos of life.

👉JOIN ME while I challenge to write one article a week for a year! https://thatpracticalmom.substack.com/

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For business inquiries: kallie@select.co

____________________________________________

🙌 I’M HERE TO HELP YOU SIMPLIFY YOUR LIFE. Need more?

1. Check out my FREE Printables: https://thatpracticalmom.substack.com/s/free-printables

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2. Grab my “30 Days To a Cleaner Person” e-book: https://caffeinateandconquerco.com/products/cleaner-in-30-days-e-book-how-anyone-can-learn-to-be-tidy

3. Become a Morning Person in 7 Days: https://caffeinateandconquerco.com/products/how-to-become-a-morning-person-e-book-and-workbook-bundle

____________________________________________

🤝 Disclaimers and such

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Fair use: I believe any clips used in my video fall under the remit of fair use. Under Section 107 of the Copyright Act of 1976, allowance is made for fair use for the purposes including criticism, comment, and news reporting. If any of the owners wish to dispute this you can always reach out. I respect all fellow content creators.

FTC DISCLAIMER: Some of the links above could contain affiliate links, meaning that I get a small commission when you make a purchase using them.

Music used under license from Epidemic Sound.

SOURCES:
Sasaki, Fumio. Goodbye, Things: The New Japanese Minimalism. W. W. Norton & Company, 2017.

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Schor, Juliet B. The Overspent American: Why We Want What We Don’t Need. Harper Perennial, 1999.

Choudhuri-Wade, Ronita. “Christmas Loans and Other Ways to Borrow for the Holidays.” NerdWallet, 12 Nov. 2025, NerdWallet.

“2 in 5 Americans Plan to Scale Back Holiday Spending, Some Skip Gifts Altogether.” Nationwide Newsroom, 17 Nov. 2025

Annamaria Lusardi, and Olivia S. Mitchell. “The Economic Importance of Financial Literacy: Theory and Evidence.” Journal of Economic Literature

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Crypto & Gold Analysis | 07 July || Trading Techstreet | Akhand Pratap Singh

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Crypto & Gold Analysis | 07 July || Trading Techstreet | Akhand Pratap Singh



🔥Join Our Telegram For Real Time Support:
🔸Free Telegram Channel link – https://t.me/tradingtechstreetofficial07
🔸Free Gold And Crypto Telegram Group – https://tr.ee/BUaw5A
🔸 Whatsapp – https://wa.link/ohbgez (7985246060)
—————————–
🚀 Top Recommended Brokers:-
Best For Indian Users –
✅ DELTA INDIA (Safe & FIU Registered) – https://india.delta.exchange/?code=UMVLXY
✅XM – https://www.xm.com/gw.php?gid=259401 ( Use Partner Code – AKHAND )
✅VANTAGE – https://vigco.co/la-com/AKHAND ( Use Partner Code – AKHAND )

For Outside Indian Users-
✅EXNESS – https://one.exnesstrack.org/boarding/sign-up/a/akhand
HOW TO CHANGE PARTNER IN EXNESS – https://tr.ee/XhV3y5
(Use Partner Code – akhand )

——————————

🔥Disclaimer:
This stream is for Educational And Learning purpose only. We are not SEBI Registered. We do not provide any buy or sell signals. Practice these trades in demo account before start trading.

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As per the FEMA Act, trading non-INR pairs or using brokers not registered in India is illegal. Please research thoroughly and make decisions wisely. I trade Cryptos and Forex in Dubai using EXNESS and XM, which are registered abroad. If you’re in India, explore compliant options. Your decisions are entirely personal.

DISCLAIMER: ANY FOREX-RELATED CONTENT SHARED ON THIS CHANNEL IS INTENDED SOLELY FOR NON-RESIDENT INDIANS (NRIs) AND INTERNATIONAL AUDIENCES OUTSIDE THE RELEVANT RESTRICTED JURISDICTIONS. THIS CONTENT IS PROVIDED FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. AS A DIGITAL PLATFORM, WE DO NOT CONTROL, DIRECT, OR RESTRICT THE GEOGRAPHIC DISTRIBUTION, ACCESSIBILITY, OR VIEWERSHIP OF OUR CONTENT. VIEWERS ARE SOLELY RESPONSIBLE FOR ENSURING THAT THEIR ACCESS TO AND USE OF THIS CONTENT COMPLIES WITH THE LAWS, REGULATIONS, AND REQUIREMENTS APPLICABLE IN THEIR JURISDICTION.
—————————-
📢 Connect Me On All Social Media Platforms –
✅Instagram – https://tinyurl.com/yah77s29
—————————-
Crypto & Gold Analysis | 07 July || Trading Techstreet | Akhand Pratap Singh
#goldtrading #cryptotrading #bitcoin #cryptotrading #livebitcointrading #livecryptotrading #goldtrading #bitcointrading #tradingtechstreet #tradingtechstreetlive #livetrading
———–

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Financial Rules: Aston Villa & Newcastle vs The Big Six

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Financial Rules: Aston Villa & Newcastle vs The Big Six



Dan Bardell is joined by talkSPORT’s Jack Cunningham to talk about Aston Villa and Newcastle’s continued fight against the financial tide.

What are the similarities between the 2 clubs and is there any way out?

Today’s video is brought to you by Luke1977.com.

Use code ‘TVV20’ at checkout for 20% off.

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People often ask how they can support the channel and the content.
If you enjoy the videos and want to make a donation, it’s genuinely appreciated.

I’d never move to a subscription model, but if you’d like to help support the channel you can do so here:
👉 https://buymeacoffee.com/danbardell

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XRP HOLDERS It’s NOW OFFICIAL! I GOT BIG NEWS DO THIS

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XRP HOLDERS It's NOW OFFICIAL! I GOT BIG NEWS DO THIS



💰WIN 5,000 XRP this month on BTCC, up to $10,000 Bonus!!
👉 for the 5000 XRP July prize!! https://bit.ly/btcc-ramos

💎 The award-winning global crypto exchange built on security and innovation.
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💰Long-Term XRP yield, Deposit $100: Get a 1% bonus!!
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💰My Inner Circle on DISCORD, know my trades and TOP community!!
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💰YouTube Membership for Livestream Perks!!
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Socials:
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💎Email (BUSINESS ONLY)
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💎Telegram (BUSINESS ONLY)
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All XRP HOLDERS It’s NOW OFFICIAL! I GOT BIG NEWS

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#xrp #crypto #bitcoin

✅TRADING Academy: https://epiqtradingfloor.com/?aff=5d65fe20

⛔️Disclaimer⛔️
This video is for educational purposes only. Please do your own research before making any decisions with your money. I will not be held liable for any losses or gains you may experience. I am not your financial or investment advisor. This is completely educational content and should be taken as such – the views expressed in the content are opinions. Nothing on this channel should be taken as a recommendation to buy a particular crypto asset. The information shared on this channel is not indicative of future results. Analyses are not absolute and are prone to change in accordance with present and future market events. Please do all of your own research before you buy any cryptocurrency or any financial product.

Some of the links and other products that appear on this video are from companies which Oscar Ramos will earn an affiliate commission or referral bonus. Oscar is part of an affiliate network and receives compensation for sending traffic to partner sites. The video is accurate as of the posting date but may not be accurate in the future.

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I WILL NEVER CONTACT YOU IN ANYWAY (ON ANY PLATFORM). IF YOU GET CONTACTED BY ANYONE CLAIMING TO BE ME, IT IS NOT ME. FOR EXAMPLE, COMMENTS SHOWING WHATSAPP NUMBERS ARE NOT ME. ADDITIONALLY, PEOPLE HAVE THE ABILITY TO CALL YOU USING AI TECHNOLOGY SO IT SOUNDS LIKE ME. THIS AGAIN IS NOT ME. NEVER WILL I CONTACT YOU IN ANY WAY. DO NOT RESPOND OR INTERACT WITH ANYONE ON ANY PLATFORM CLAIMING TO BE ME OR WORKING ON MY BEHALF – THEY ARE SCAMMERS.

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Trap Dickey, OJ Da Juiceman – Gettin Money

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Trap Dickey, OJ Da Juiceman - Gettin Money



Music video by Trap Dickey, OJ Da Juiceman performing Gettin Money.© 2025 11 Music Group, LLC, under exclusive license to Uptown Records, a division of UMG Recordings, Inc.

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News Videos

Crypto bros in 2070 still waiting for the bull run

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Crypto bros in 2070 still waiting for the bull run



A meme joking that even in the year 2070, crypto bros are still patiently waiting for the next big bull run, poking fun at the endless optimism of crypto investors. #memes #memecrypto #crypto #cryptomemes

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If You Hold Crypto In Europe, You NEED To Watch This

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If You Hold Crypto In Europe, You NEED To Watch This



🚨 FREE WEEKLY REPORT: https://www.learningcrypto.com/report
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0:00 – Introduction
0:54 – Portugal Crypto Tax Rules Explained
3:00 – Handling Audits and Penalties
5:05 – MiCA Regulation and Its Impact
5:43 – Strategic Cashout Tips
8:41 – Banking Challenges for Crypto Cashouts

#Btc #Bitcoin #Crypto #cryptonews #cryptocurrency #investing

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Destrave a sua vida financeira!

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Destrave a sua vida financeira!



@painitodeoxum ✨ Entre na Corrente de Prosperidade:

Estamos na semana da nossa Mesa Cigana de Abertura de Caminhos na energia de Exu Chama Dinheiro.

Se você quer potencializar essa força e destravar a sua vida financeira, não perca tempo. Clique no link da bio agora mesmo e garanta a sua vaga! #shorts

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