MONEY SAVING HACKS from My Viewers

What is going on everybody? If you're new here, welcome. My name is Reggie Bryant and this channel

is all about personal finance and personal growth where I show you how to save money and make more

money all while making yourself better every single day. I've got a special video for you

today. So I just hit 5,000 subscribers and that's another huge milestone for me and I just want to

say thank you for supporting this channel and watching my videos. It really does mean a lot

It seriously is a great feeling to add value to people from all over the world. So today

instead of me sharing my financial tips and advice, I'm going to share some advice from

my viewers and they actually give some really dope advice and it's stuff that I haven't thought of

myself. I learned a lot just by looking at what my viewers had to say and I took some notes and

I'm actually going to apply some of these to my life. So throughout me making videos, I've received

a ton of feedback from viewers, subscribers, everybody and most of it was through comments

So when I got to 5,000 subscribers, I reached out to my audience directly through the community tab

I was like, hey, hit me up. Give me your best money saving hacks and I gave everyone a bunch

of different ways to contact me. So obviously, there's commenting on YouTube. I had a few on

the community tab. I also had some emails and DMs. So I'm super excited to go over this. Let's dive

right in and just so you know, I don't have the best memory in the world. So I'm definitely going

to be looking down. So first up, we've got Shade. She emailed me and first of all, I just want you

to take a look at my screen right here that I'm looking at and I just want to appreciate how long

this email is because she really put some detail and some thought into this. So check this out, man

I mean, just an amazing email. I just really, the fact that she put that much time into it

we're about to go over all of these. So these are actually really dope. So the first one is

if you work outside of your place of residence, try to live as close to your job as possible

And you know, this is something I think a lot of people miss out on because I actually used to do this myself. I lived a whopping two minutes away from my last job and it saved me all kinds of

money on gas. But I want to get into her specific reasoning. So she said, I mainly did this out of

convenience, but it just so happened to save me quite a bit of money. This will enable you to

save a lot of money on car maintenance, oil changes, tires. That is facts because right now

what I'm doing is I'm traveling 30 minutes to work, 30 minutes from work. So it's an hour total

to and from work and my tires are going to wear a lot faster. I'm going to have to do a lot more

oil changes on my car than she would. You know what I mean? I'm going to have to get gas way more

often and I'm going to spend way more on all of these things than she will, just because of the

fact that she doesn't get on the road as much. And that is a very good way to save money. And she goes

on to say, not to mention all the time you save in traffic as well. When I started my current job

in 2019, I had an hour commute, a month and a half later, I moved into an apartment, which is about

two miles away from the place that she works at now. And she's genuinely surprised at the fact

that she doesn't have to go to the gas station all the time. She doesn't have to get her oil

changed all the time. It's not frequent at all like it used to be. And the key thing she says is

you know, after saving money on car maintenance, oil changes, tires, and gas, stuff like that

she said that she can put more money towards the thing that she really cares about. And I think

that's a big key. Anytime you're talking about money, saving money, the point is, is putting

your money towards something that you really care about. Now, the second one we got, this is also

from Sade, by the way, she has three total. So we're going to go over all of them. The second

one is YouTube is my TV. And this is a really dope one. This is something that kind of blew my mind a

little bit. So Sade says, I don't own a TV, nor do I have any streaming services such as Netflix or

Hulu. And she got me beat there because I got Netflix and Hulu, you know what I'm saying? But

I feel what Sade is saying. She said, instead of watching reality TV shows, I watch blogs and

podcasts from my favorite creatives and bloggers, such as Belief in Fatherhood

Hallease, Evelyn from the Internets, Katia Lamour, I hope I'm saying the name right

and Octavia Steen. I don't see my name up there, low key, but I feel what you're saying. I feel

what you're saying, Sade. It actually makes a lot of sense. So she said, just to name

and that's just to name a few. So maybe I was in there, who knows? But the point is

that suffices for her. And she says, this is more realistic to me than reality TV shows

And that is a fact. Reality TV shows are scripted. They're made to produce as much

drama as possible for entertainment value. Having real people on YouTube vlogging their lives

that's more of a realistic way of understanding how a person's life is. And she said, when she's

not watching those things, she's listening to spiritually uplifting content, business-related content and documentaries. And I think that's a very productive way to use your time instead of

just watching random stuff, mindless stuff, just chilling. You're actually using content to add

value to your life besides entertainment. This is actually stuff that you could apply and be

uplifted by and have that positivity in your life. And I think that's really cool. Keep in mind

y'all, YouTube is free. So she said that she never runs out of content because the people that she

watches, like me, for example, upload pretty regularly. And so knowing that, she already

knows when to expect them to upload. So she already has something to look forward to. And

check this out. I think it's really cool that she actually shared this with me because this

kind of put specifics behind what I was just saying. She said that her entertainment consists

of stuff like parenting techniques, household management skills, and business management. And I think that's really cool to actually highlight in this email because these things

are productive skills to actually learn. I mean, having a habit of learning those parental skills

when you become a parent, you're going to be that much better just because you're getting that

initial traction with just your habit of looking and learning about these things. I think that's

really cool. And Sade, if I'm saying anything wrong or if I misinterpreted something you emailed

me, just let me know in the comments. And this one right here is actually really cool. I've never

heard of this one before. Shop your store. And apparently, this is compared to a point that I

make in one of my videos titled I eat for free. If you haven't seen that, go ahead and check it out

So what Sade is doing here is incredible. It's very, very, very smart. And I never would have

thought of this. And she actually sent me some pictures to share with you so I can bring this point home. So it's when you take something that you would normally splurge on. In my videos

I always talk about shoes, video games, whatever your vice is. For her, it's hair care products

In this email, she talks about how she spent a lot of time watching a ton of videos over the last

decade on just hair care products alone. And I guess one day she was watching a video and they

talked about Black Friday, which she hadn't participated in until literally last year

So she waited until Black Friday and went and bought about a year's worth of hair care products

And the genius behind this is instead of splurging throughout the year, instead of getting emails

from JCPenney, Macy's, or wherever else has these types of products where it might be 10% off

15% off, she waits till Black Friday when these things are 30% to 60% off. We're talking about

bottles worth of say $12 to $30 cut in literally half. So she gets the best of both worlds. She

saves money and she gets the very thing that she used to splurge on. And then the emails that she

subscribed to that talk about these sales going on, she unsubscribes. She deletes the emails

because she's like, what do I need to do that for? I can just wait until the same time every single

year, Black Friday, to go ahead and get these. And that's smart because it's predictable. Black

Friday is going to happen every single year and things are going to be on sale every single year

And of course she takes it a step further. Let me show you these pictures right here, bro. Let me

show you these pictures. This is cold. I don't care what nobody says. She makes it into her own

little store. Like look at this. It's even stocked up like a store wouldn't. I used to be a stocker

at a grocery store back in the day. So I know. Look, these are some gems right here. Y'all better

take notes. So instead of doing all this running around shopping throughout the year, you create

your own store at the lowest, cheapest price possible. And obviously all these things have

shelf life. So I'm not as knowledgeable as she is, but I know for a fact it's between like six and

12 months. And so what she does is she has a planner to schedule her use of these products

Sade is cold, man. Y'all give her a round of applause, man. She knows what she's doing, man

By the way, every person that's up here on this video, we're going to give them a round of applause

because they deserve it. And you know, as I go through everybody's examples and advice throughout

this video, I want y'all to comment and let me know what y'all think and even comment your own advice

So next up we have Lynn and I'm going to go straight into my Instagram DMs for this because

she DMed me and it's really awesome stuff that she gave us. So first off, she shows some love and I

appreciate that, Lynn. And then she gets into the advice right then and there. And these are rules

that she lives by. So first, Lynn says to read and never stop learning about your personal finances

And I cannot stress that enough. That is huge. And that's something I don't think a lot of people do

So whenever you're wanting to improve with anything, especially finances, think of more than

just surface level stuff. This is more than just reading a book. This is more than just watching a

video, more than just listening to a podcast. Because based off of other people's takes and

perspectives, that's how you're going to understand what financial advice form fits to you as opposed

to someone else's advice. So you could agree with personal finance advice that you read in a book

and then you can watch my video, one of my videos on my channel. You can disagree with what I say

because the person's take on it, the person's perspective on whatever topic it is, it might fit

specifically to your life and it might actually work for you. Except my advice could be just as

valuable as that advice in the book, but what matches you? And that's why I think it's so

important to follow Lin's advice here, which is really good advice, to continuously learn about

finances. And then you'll find that as your life goes on, some advice that applied to you earlier

on may not apply to you anymore. So now you need to step your game up and understand a different

perspective and learn even more information about it. Now this advice here got my attention. Lin

says, if you want to buy something, wait a few weeks because then you may not even want it as

much as you thought you did. You're not necessarily saying no to yourself, you're just saying no

not right now. And that really resonates with me. It actually reminds me of a book called I Will

Teach You To Be Rich, but it's basically just delaying your gratification. So I talk about Nike

all the time. I'm wearing a Nike shirt right now. So in my case, if I'm at a Nike store and I see

some shoes that I just think are cold, or if I see some Nike sweatpants, I love sweatpants for

those of y'all who know me, so I could see them and be like, man, I need to get those. And granted

whenever I go to the store with the intention to buy something, obviously I have the money for it. But what she's saying is, even if you have the money for it, really ask yourself, do I really

want it that bad? Let me give myself two weeks and then I'll come back. And if I still want it

I will get it. But that delays your purchase. And a lot of times for me, I can speak to this

whenever I've done that. And I don't do it consciously. I've done it very subconsciously

But whenever I've done that, I'm like, ah, they're not even as good as I thought they were. You know

what I'm saying? Those shoes ain't as cold as I thought they were. Can't believe I almost bought

those. Then something else might come up, something better that you didn't even know you were going to

want in the future. But that delay and that gratification, for one, that's a discipline

Two, that gives you time to make a rational decision on if you really want to buy something

or not. Because at least in my case, Nike stuff ain't cheap. And that example I just gave you

actually rolls over perfectly into this next piece of advice. And this piece of advice is

really dope. It actually went over my head at first. I have to reach back out to her for

clarification on this. But this is some really dope advice. Listen very closely. Invest the same

amount of what the item costs. So the way I think of it is this. And obviously, everyone is not

going to be able to afford doing this. But this is a good piece of advice when it comes to building

wealth. Because if you think about it like this, we all consume items at some scale. Like you might

go to Target. You might go to McDonald's. You might go to Nike. You know what I'm saying

All of those have a place in the stock market. Every single one of those I just named have a

stock. So if I go to Target and I spend $200 worth of groceries, I could go buy a $200 Target stock

If I go to McDonald's and spend $10 on a meal, I could put $10 into a McDonald's stock. So I'm

not going to get all in the stocks. But what she's saying is this can build that discipline

Because you might think twice about buying something because you can actually put money

into the stock market. And maybe you won't be able to do this every single time because you

have to have disposable income, a lot of disposable income to do this. But the way I think of this

piece of advice is this. We consume stuff at a certain scale every single day, whether it's

going to the grocery store. You could go to Target, Walmart. Those are examples of stock options

Microsoft, there's Apple. We consume these types of products. And they all have stocks

And so the way I look at it is like this. I mean, you know what I'm saying? I love Nike

So wouldn't it make sense for me to have a Nike stock? I love Apple. I love Microsoft. I use them

all the freaking time. Shouldn't I have a stock share in those? And you also have to think about

this. And Lynn, correct me in the comments if I'm wrong. But what I get from her advice is this

Don't buy something unless you can buy two of them. And if I'm on the right track, Lynn has an excellent point. And the best way to bring that point home is this

About a week ago, I saw this interview with the Wall Street Trapper. And this guy is heavy into

stocks. He's a stock expert. He has a platform where he teaches people about stocks. Really sharp

dude. He knows what he's doing. And the way he explained this was, he's like, look, in our

community, like specifically where he's from, he's from New Orleans, he said, in our community

we love designer clothes, Gucci, YSL, stuff like that. The way he got his community into it was

saying, look, we're already wearing Nikes. And this is just an example. This is paraphrasing

what he's saying. He's like, we're already wearing Nikes. We're already wearing Gucci

Why not own it? Because when you buy a share of something in a stock form

you're literally a shareholder of that. You're a partial, very small partial owner of that company

That's what started to get people to think like, you know what, that actually makes sense. And

then that money goes up in value. But when you buy stuff, it depreciates in value. Shoes get dirty

You know what I'm saying? Purses wear out all the time. You got to keep in mind, I got a lady

audience. Lynn was telling me I got to stop saying, bro, she's a lady. All right, all right

You make a good point, bro. But anyway, her last tip is build wealth accumulating assets

And that is a phenomenal tip. And I want to break that down even further, right? Because

usually when people think about wealth accumulating assets, they think, oh, well

I'm going to have to spend money that I can't afford to lose. They're thinking that they got

to spend money in the stock market or in real estate. And you don't because there's a bunch

of different types of assets nowadays. For example, this YouTube video you're watching

right now, this entire channel you're watching right now is actually a wealth accumulating asset

And YouTube is something that you can start totally free. And I'll tell you this, every single video that I have up on my channel right now makes money. And that's really awesome

to say because every video, it could be a year ago, two years ago I made the video

it's still making money. That's an asset. And you know, it's not just like a YouTube thing

Content as a whole is an asset. There's people making money from videos that they put on IGTV

Facebook. They're putting out pictures and content that are sponsored by like Microsoft

and all these other big companies. Per every like they get, per every view that they get

or whatever the metric is for whatever platform, they're getting money for that. That is an asset

And if you also follow Lin's advice to invest, then yeah, you could put a little money here

and there in the stock market. And if you don't have money like that, that's cool. You could start a Stash account or an Acorns account and start with $5

And you don't have to buy a full share at a time. You can buy partial shares. And when you buy partial shares, you can still get the benefits that having a full share would have in terms of

going up in value. So that was Lin's advice right there. And I thought it was really dope. And I

know she had a really long message that she sent me, but she just spent the rest of that telling

me how great I am. You know what I'm saying? And I appreciate that humbly. You know what I'm talking

about? Nah, I'm just kidding. She actually spent the rest of that conversation telling me

and stop calling me bro. I am a lady. You have ladies watching this channel

So ladies and bros, give a round of applause though with some dope advice

So we have a few from the community tab that I just wanted to go over real quick. So Emily said

get direct deposit of a portion of your paycheck to go into your savings account. You won't even

notice the deduction and it will build your savings account. And that's 100% true. It really

is. And I think it's a method that a lot of people sleep on because they feel like, well

I'll remember to put that $200 into my savings account, but then you you'll do it for like a

month or two and then you'll forget. And I've done it. So the best way to do it is to just simply

automate it. Like she's saying, that's perfect advice right there. And the thing is, once things

are automated, you don't miss that money. It's just like your taxes, they get taken out automatically

And so you don't even miss that. But if you, if you had it all along, you would. And I don't know

if it's just like a time consuming thing, but I've talked to people about this one-on-one and

everything. And, you know, they feel like it has to be all on discipline. Like, no, you can

literally just automate everything. You can automate, you know, your paychecks to go straight

Some of it going straight into your savings account and you can be fine. So thank you, Emily. That's some good advice. And we have triple X interesting name, by the way. So triple X says

my advice is to have multiple accounts and use them categorically. Nice word

spread it out and set categories that gives each account a purpose of use. And that is that

that is the game right there. And they're right there. That is what you should do. That's why I

talk about the capital app so much, but this video ain't about the capital app. This is about what

my audience has to say. And you can't go wrong with this advice because if you, if you separate

your accounts categorically and you name them, that then gives every single dollar that you put

into that account a purpose. And as you might've seen a couple of videos ago, when I talk specifically

about purpose and how saving money and lining up with purpose are two very big things that when

you combine the two, you're able to save a lot more, a lot faster. This is exactly what I mean

That's why I don't believe in having all of your money in one savings account, because it feels like, well, you don't really know what all of it's for. So if it's split up, you know exactly what

every individual thing is for. And you know how important each one is compared to the other

So that's all the subscriber and viewer advice that I have to share with you today. If I didn't get to you, don't feel bad about it. Just know that I chose the advice that I found one extreme

value in, but two weren't as common as all of the other ones. I mean, the advice that I shared in

this video today, I haven't seen in a lot of other YouTube videos or channels or anything

And I also snuck in one or two pieces of common advice that I just don't see commonly followed

that I really think people should really push to do. But anyways, as the CEO of this channel

I think I owe it to you to share what my future plans are for this channel. Since you guys got

me to 5k, thank you so much. So with my YouTube channel, I just really want to cast a wide net

around financial literacy. So that's why you hear me talking about stocks. And I'm even talking

about stuff that I'm learning myself because I get excited when I learn about stuff. And when I feel

like I'm knowledgeable about something enough, I go ahead and start sharing things with you guys

So when it comes to appreciating assets and stuff like that, I share that with you. Stocks, ETFs

you know what I'm saying? Index funds, all that good stuff. But also, you know, I'm just working

on a bunch of different things. So part of casting that wide net was me opening up an Asana account

and putting all my ideas, just plastering them all up there on one big sheet. And one day I just sat

for like two to three hours and I just created this entire list on Asana. And I really just put

out like, there's got to be like 200 video ideas in this thing. And I'm going to show it to you

right now on the screen. I'm not kidding. But as you're looking at my beautiful spreadsheet that

I made on Asana, I also want you to be, you know, think about stuff that you want to see from me

And you can totally reach out to me personally, or you can just comment on my videos. You can say

hey, if you haven't already, make a video about this, or I'd like to see a video about this

because I don't always know what everyone's financial struggles or if you want to learn

something more. I don't always know what exactly you want to know more about, because I could be knowledgeable in something, but I could just think that and just assume that people already know

about it. And I found that out in my one-on-one conversations when I was setting those up

which I'll get to more on that in a second. But I think it would be extremely valuable if you guys

would email me on my personal email or even DM me on Instagram. You guys can totally do that. Just

follow me, you know, DM me. I'll answer. I mean, I answer all my DMs. Same thing goes for email

You know what I'm saying? It actually goes into my next point. This is what I'm super excited about

announcing. I view this YouTube channel as more than just, you know, like a free hub for me to

give you free information. This is also the heart of my business. And so I recently just got a

Kajabi account and I'm building my website and through my website is where my business is going

to live. So I'm opening up financial coaching and I'm super, super excited about it. Something I'm

extremely passionate about in life, like in real life I do this, is coaching people and I've got

to extend it on to the finances now. And so with that, not only am I going to have like paid

coaching services, but I'm also going to have one free window of 15 minute coaching and I'm going

to open it up a couple times a week, a few hours out of the day, and I'm going to have that

availability up on Calendly. So if you guys are available, if you just want to talk finance with

me one-on-one for 15 minutes, you can set up a call with that and that's going to all be on my

website. And I haven't finished building the website yet, but just know all that stuff I'm

talking about is coming in the next few weeks and months. And on that website, outside of just my

coaching services and everything, I'm also going to have my courses. And yes, I said courses. The

reason it's taken so long to put everything together that I've been talking about for the

past like year now about these online courses is because there's more than one course. There's like

three of them. I talked to a lot of you guys one-on-one about a month ago and a lot of you

talked about what you wanted and needed in a course and all of you aligned. So I'm building

courses on it and I'm super excited about that. So about a month ago, I talked to you guys about

what exactly you wanted and needed out of a course and you guys have told me and I've taken everything

you said to heart. I wrote down everything. I took notes on what you guys said and so I built

courses around what you guys want and need. And there'll be more information on everything about

this. I just want to give you a quick update so you can know what to look forward to when it comes

to me. And also, also, this is the cool part that I'm really excited about. I'm about to open up a

Patreon account and on there, I'm going to host exclusive content and you'll see the conversations

that I have with people about money. You might even see some coaching calls, stuff like that. Of course, I have to ask for their consent to share that video on Patreon, but I think it's

going to be dropping some good gems for you guys that are, you know, more in-depth than what you

would normally get on my channel. And I think the value in that would be these 15-minute calls that

I'm setting up for free, a few hours out of a couple of days of a week, you know, obviously not everyone's

going to be able to experience those. So you're going to be able to see what that one-on-one

interaction looks like and it'll be on Patreon. It'll be like super value-added conversations

because when I talk to people about finances, we really get into it and it's really valuable to

see, I think. And when you capture those conversations in real time, I think that is one of the most

valuable ways to learn about finances. So anyways, make sure you're looking out for that stuff because

it is coming and it's going to be extremely valuable. And I just want to thank you so much

for your support and I already got people saying, all right, time for 10,000. Let's go. You got this

bro. And when I see comments like that, it means a lot because I was just on the phone with my

friend the other day and she was like, all right, time for 50,000. Let's go. So now I have something

to work towards, you know what I'm saying? So now it's like, all right, now I have to live up to these

numbers because now, you know, you guys are having those expectations and you guys are seeing me grow

and you want me to grow even more. Let's get it. I'm ready for it. But anyway, that's the video for

today. Thank you so much for watching. My name is Reggie Bryant and this channel is all about personal

finance and personal growth so you can control you, control your finances, and control your life

Thank you so much for watching. I'll see you in the next video. Stay cold. Bye