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You can take a cue from George Washington by becoming commander in chief of your finances. What budgeting strategies have worked for you?
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Two Cents was created by Katie Graham, Andrew Matthews, Philip Olson CFP® and Julia Lorenz-Olson and is brought to you by PBS Digital Studios. We love dropping some knowledge on all things personal finance and helping you make better money decisions.
Two Cents is hosted by Philip Olson, CFP® and Julia Lorenz-Olson
Directors: Katie Graham & Andrew Matthews
Written by: Julia Lorenz-Olson
Executive Producer: Amanda Fox
Produced by: Katie Graham
Edited & Animated by: Nathan Bayless
Images by: Shutterstock
Music by: APM
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Thank you
As a young person about to go into the world of jobs and further education, this is extremely helpful. The entire channel you have going here is really helpfull to someone like me that dosent know how to spend money corectly or more accurately im just insecure about if i actually did make the right decision. Its like knoing you are being evaluated on something, but not getting to know what the evaluation says.
This is so helpful.
My #1 goal is to buy a house
I've been budgeting for 5 years now. Very rarely do i ever stay within budget, but i still managed to save to buy a home and am halfway through an emergency fund goal. Just because i don't reach the goal every month, I'm never too far away from it either because it really is hard to pull money from other places when it's already allocated.
🧚🏻♂️🌌🦅
This is awesome.
love the reference to Catan ❤
I love this video!!
I'm rich af but watched this vid anyway
Basics budgeting?????
Such a great way to think about budgeting!
YNAB is the definitely the best way to go about this while also implementing their 4 rules (Give every dollar a job. Embrace your true expenses. Roll with the punches. Age your money.)
I really didn't care for the military metaphor
me on first date: “I’m not broke, I’m the general of a small army”
Wtf, they are stating people go out to dinner just with a chance they might afford it?
essentials: groceries.. yes but you can save a lot on gorceries when you plan right and dont buy junk food
someone said to me
90% of people dont have money, what are the 10% doing different?
simple answer always is "they earn more money" however, they are all getting the same paycheck. so whats the difference then? of course, they spend less by checking deals, insurance etc
I still live with my parents but my rule of thumb on more luxerious things is one, if you have to save for a vacation you cant afford it, two dont make any big purchases unless you know you are going to use that item on a weekly or daily basis, three starting out young every big purchase should go towards equipment or resources to further your career, when i do spend money on things it is almost insignificant, like 2 dollars every other day for fries at zaxbys, 5 dollars for a burger, and maybe 20 dollars wvery 4 weeks for a movie or something spightly nicers, but doing that I can make 100 dollars last 2 weeks
Aaab
Budgeting basics number 1. Make more than you spend. 🙂
is it just me or did you also feel llike you got absolutely no information after having watched this video?
my main problem is i make minimum wage
I love how none of the buckets included retirement savings. Does nobody save for retirement?
been doing since 4 months.. no savings but took a lot of stress away
I love your videos
Gym membership is for health, it should surely be essential
Richest man in Babylon 😂 vibe
PONGAN SUBTITULOS EN ESPAÑOL CULIA
Love your educating skills. I want your videos to be pushed out there more.
I wish life has little UI I can see.
It feels like a game
As a 13 year old looking forward to starting a school business and not so much to having struggles on how to manage money in my early adult years I love your channel!
Lifestyle should be the same as discretionary
I love you guys!!! Always super helpful
do you guys have a favorite budgeting app
"renting a movie"
Me: *immediately checks when this video was uploaded
Is there a specific amount that I am required to put in any of these listed? Or does it just depend on me?
What software would you recommend for a person who is trying to put every dollar or penny to a purpose?
Great video! 3:28 which app do you recommend?
cringe
Lost me when they suggested I had 10,000 in my account * cries in poor*
as a rule, immediately after you get the salary, put aside your country's minimal wage for living expenses and everything else goes into savings. If you can't live out of min wage then it's a clear indicator you need some changes in your life and fast.
Also pet expenses aren't living style. You chose to have a pet. Its essential expenses are yours too.
I’m extremely afraid of the word “Budget or budgeting” the words sounds evil to me. And the terms just don’t make any sense to me