Name: 我在20多歲時犯的5個理財錯誤 (5 Money Mistakes I Made In My Early 20s)
Uploaded: 2021-01-14T08:57:05.000Z
Duration: 10 min 7 s
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過去進行式

- Hey sifu, I actually recently was looking up

現在進行式

and I just wanted to take this kind of intimate moment

you know, I'm making a lot more money now

and I, seeing so many articles and advice online

and I just wanted to know, you know, from your perspective,

when you were younger and you were kind of in my position,

- What are some of the kinda money mistakes that

you wish you would have known that I could look out for,

or the audience could look out for and things like that.

I think there's so many mistakes young people make

and because they think they have time and they think money

so when they first make a little bit more money,

and then just like when you get a first paycheck,

you're not so sure what to do especially as you work harder,

maybe you rise up and you make more right,

now you're smarter, so I think first mistake is

I don't think you should not not get a credit card

because a credit card builds up your credit score.

In the future when you want to buy a house,

when you want to buy a car, you need your credit score.

So it's not so much about cutting on your credit card

or never use credit card, always use debit,

but just make sure you pay off that balance

Because when you're paying that 18 or 20% interest rate,

it may not seem like a big deal, but when

- And you are paying interest rate on 18, 20%,

- And then get a credit card, but get one,

do your research, there's so many credit cards out there

Some of them you can do different shopping.

you get like five times points for flights

and things like that. - That's right, that's right.

- But don't get sucked into it, I'm gonna get a credit card

because I get all these points, but do your research.

yeah get one that's like very advantageous

when it comes to travel points but if not, then,

a lot expenses I run through my corporate card.

If you have a business, you can get a corporate credit card,

so you can accumulate points and you can use that

- Number two is young people, I see this a lot,

- I probably would do that once or twice.

- You're right, you know, you buy stuff to impress people

that you don't even like, you don't really care.

then you get into the habit of buying things

Maybe, your earning only allows you to buy a car that is,

you're comfortable with 300 bucks a month car payment.

But like you know, I want that cool car, I wanna be cool,

By the way, that's all like marketing, right.

- And then you gotta think if that's the girl you wanted.

- Yeah, that's not even the girl, that's,

like the gold digger prank, right, so that's

So don't get into debt and buy stuff that

Third mistake is not just a money mistake

Because young people just like myself, when I was younger,

you would spend time on playing video games, right.

And you would spend a lot of time watching

Watching this game and that game and before you're knowing,

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我在20多歲時犯的5個理財錯誤 (5 Money Mistakes I Made In My Early 20s)

stuff

recommend

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intimate