Name: なぜ私はこんなに安いのか（自己資金の予算の立て方 (Why I'm so cheap (how to budget your personal finance))
Uploaded: 2021-01-14T10:45:14.000Z
Duration: 10 min 51 s
Description: VoiceTubeの動画で発音を聞きながら英語表現を覚えよう！学べる英語：

命令形

That's how you know it's good technique here.

Some of you guys may think I'm pretty cheap.

If I live in a place like this and I've got news for you.

Maybe you're the one who thinks you're rich.

You're just going around spending tons of money.

Maybe you just don't know how to manage money.

This video, by the way, is sponsored by I don't really have a sponsor.

But I would recommend that you go by this desk lamp.

It is the bank you'II reading led desk lamp.

I have a great time turning it on every time it spreads a wide swath of light onto your desk.

It is a beautiful desk lamp, one of the best purchases I've made.

I have a link for you in the Amazon description.

If you buy such that, I get my kickbacks.

The biggest mistake that see a lot of people making is that they are assuming that the income that they're receiving it's going to come in every single day for the rest of their lives is not is going to stop.

It's going to stop when you get fired or when you just voluntarily quit because you've had enough.

You don't like how something's going at work.

And so that's the first thing is of thinking that what?

Each day, you're getting 100 bucks, 500 bucks, 1000 bucks a day, Whatever it is that you're making, that's not going to come in every single day.

You need to average that across the whole duration, in which you're going to be living up to say, 80 years old, maybe 90 years old.

If that's going to be your life span, and when you factor all that and you're not making like 500 bucks a day, you're making like, 50 bucks a day.

Maybe, and that's really your actual budget.

The other thing is that it is quite likely that at some point you're going to need this money, right?

You might need that when you're like, say, 60 years old, you've just had triple heart bypass surgery.

You've spent a ton of money and then you need to buy some food.

And you might be thinking to yourself, maybe even kicking yourself for that Porsche that you bought what you're in your twenties, you may be thinking, man, I wish I could just save some of that money such that I can actually buy some McDonald's today when I'm like, 60 years old.

Instead, what may happen is you gotta go around crawling around on the floor looking for rats or ends to eat for that day.

I like to imagine when I'm spending money that I'm spending from the end of the pile that picture myself.

Not when I have a bunch of money that bacon I'm healthy like I am today.

But when times are tough, when I'm actually going to need that money, when I've spent most of it in the bank, what decisions will that be proud of?

If I had made today And the thing is that most people don't have enough money to last them throughout their entire lifetime in the decently sustainable ego, the way they're going to have to end up leeching off their Children, maybe their friends.

And so we think about who's really paying for this Porsche that you get in your twenties.

It's your Children, is your friends, is the people who you're going to have to go ask him for help later on.

You're asking for other people to help you buy that Porsche.

And unless you're absolutely sure that you're not going to need a single dime of help from anybody throughout your entire life, even when you get old, then I would think twice before you go ahead and buy some luxurious Porsche or something, some cars, some luxury that you don't really need.

Now the other portion of this has to do with lifestyle, and this has to do with budgeting.

I thought a lot about how can I set up a budget?

How can I decide how much I can spend suitably well and well, I can tell you one thing that if you decided to just be cheap.

You get rid of almost every single argument that anybody's going to have about you if you're cheap.

No one's complaining when you go and buy yourself some food, some water, some toilet paper, some basic clothes, that's all fine.

It's really going to cause a fuss where you go and you decide to buy yourself to Louis Vuitton belts.

They don't understand your spending habits, your values off money.

Maybe you guys can help me out here, but I've been thinking a long time about how I could set up a budget.

For example, let's say we set up a $500 budget.

Me and my wife, we each get 500 bucks to spend every month, whatever we want.

My question is with them, people just start splurging there on things that they don't really need.

Like it could encourage poor values around money, poor ideas about how it should be used, how should be safe and worse.

I think that it can cause an imbalance in the way that you use it For example, let's imagine that every month I decide to blow my $500 budget on a PlayStation for and I already have five PlayStation for his bun, just going to keep buying them just because I'm going to become a PlayStation collector.

I'm just going to have a bunch of these consoles sitting in my living room, and I don't really need them.

I only need one, but I'm just going to collect the bunch of them.

Well, how good of a TV show that be at this point due to my money habits, maybe I don't want to just settle for basic TV.

Maybe I don't even want a standard for KO led TV.

Just because I'm used to being able to splurge on entertainment like I normally do well, I'm saying, is that there's an inconsistency in people spending behavior, right?

Like, how can they be that on some things you decided to go all out and that long other things that really matter.

You don't really know how much you should be spending.

Maybe just end up getting a release standard used old TV where that really counted.

If you were to go on that vacation trip on the vacation trip, there could be a bunch of activities cool restaurants to try.

Where's the money going to come from that?

If you've been blowing your budget every single month and so you may say, Well, you're going to just save your budget every single month you're just going to save your money and that's fine.

But what really ends up happening is it just causes everybody to kind of revert to living the cheapest possible life that they can being very basic about their spending.

And then that $500 budget that everybody caught each month is not really useful anymore, is it?

And so for me, the way I budget, which may not be the best way, by the way, is I don't have a fixed dollar amount.

I just have a standard of living that I'm a day, and their standard of living the way I value money is pretty basic, pretty much on part with the way anybody else spends money you know, when I was in my twenties and I was making some pretty good money at that point, I would just go around parking in illegal areas.

And if I had to pay like a $40 parking fee, I would just say, Fine, I got money, I'll pay it.

And I would just go around paying $40 parking fees.

I don't waste money like that because I think it disrespects money.

Well, it's important when you're surrounded by other people.

字幕リスト動画再生

なぜ私はこんなに安いのか（自己資金の予算の立て方 (Why I'm so cheap (how to budget your personal finance))

entire

bunch

regret

consistent