7 PEORES COMPRAS en tus 20's

Name: 7 PEORES COMPRAS en tus 20's
Uploaded: 2025-05-18T17:21:46+00:00
Duration: 10 min 12 s
Channel: Cristiandls

Cristiandls

18/5/2025

¿Qué gastos debes considerar en tus 20's para invertir en tu futuro? En este video, te revelamos los 7 mejores gastos que valen la pena para invertir en tu juventud y asegurar un futuro financiero estable. Desde invertir en educación y habilidades hasta ahorrar para un depósito inicial, te mostramos las opciones más rentables para que puedas tomar decisiones informadas sobre tus finanzas. ¡No te pierdas este video y descubre cómo invertir en ti mismo!

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00:00Saving money is one of the biggest problems for millennials.

00:07We all have a friend who spends more than they earn and another who has less than a thousand dollars saved.

00:13Why does this happen?

00:15The result is that many of us struggle to save money for the future.

00:20But that doesn't mean you can't treat yourself to something nice every now and then.

00:24You just have to be more careful with your money at this stage of your life.

00:28For example, look at your grandparents.

00:31By the age of 20, they had a house, cars, at least a television, and were still able to support up to five children.

00:39On the other hand, in your 20s, you struggle to maintain your college education, you have a low-paying job, and you're barely making ends meet.

00:48This happens because you're buying things that take money out of your pocket without you realizing it.

00:53So, if you want to have some money left at the end of the month, I'm going to tell you seven things you should avoid buying at all costs.

01:02Constantly ordering delivery or eating out.

01:06Treating yourself once in a while is okay.

01:08Order food delivery or go out to a restaurant, McDonald's, Starbucks, Burger King, whatever you like.

01:16Excellent. What's wrong is doing these things when they're out of your budget.

01:22You can't order two, three, four, or five times a week on Uber Eats if your salary is very low.

01:28I'm not telling you to never do it, but it may be a viable option only for a fleeting moment.

01:35Making these purchases consistently has a huge impact on our finances, even if we don't realize it.

01:41Another problem that comes with ordering food delivery is a sedentary lifestyle, and that's a serious problem that can lead to excess weight.

01:50The additional expenses you'll have to make in the future to take care of your health will also affect your finances.

01:57I want to see you beautiful. I want to see you fit.

02:00So take care of yourself and don't buy so much from delivery apps or go to restaurants every day.

02:05Buying the most expensive item in a store. For example, a $300 pair of shoes.

02:12What for? So they can smell bad later?

02:15Have you ever bought something super expensive and then regretted it?

02:19You should never even think about buying something expensive just because it's expensive, and you want to show people that you can afford it.

02:28What you need are things that are truly worth it. And while some expensive things are worth that price, others aren't, and you know it.

02:38I have a friend who, at 20, got his first decent job, but spent his first paycheck on a $300 pair of Jordan sneakers.

02:48It's been a year since this happened, and it's the date he still regrets.

02:52How is your first expense going to be a pair of Jordans?

02:56You clearly didn't need it. That's not going to add anything positive to your lifestyle.

03:02You can just show your friends that you got a new salary and bought some Jordans.

03:07So that?

03:09When you're young, you're more likely to be dazzled by the wonders of expensive objects and make impulse purchases without considering the consequences.

03:17While you're in your 20s, you're probably saving money, which means you have very little left over each month after your expenses.

03:27That should lead you to avoid buying things you really can't afford right now.

03:33There will be time for that later.

03:35Unnecessary electronic devices and gadgets.

03:38For example, Bill Gates has a $20 watch and you want to buy a $500 Apple Watch.

03:44Honestly, how much do you need it?

03:48Is it really an essential purchase for you?

03:51Is this something you can really afford?

03:54If you're in your 20s, you're on a very tight budget, so starting to buy unnecessary electronics or gadgets is a bad idea if you want to save money.

04:05Before purchasing an electronic device like a laptop, cell phone, or smartwatch, you should first analyze how much you need it, consider the features you need from it, and compare products from different brands.

04:22Buying a MacBook Pro is not the same as buying a Lenovo laptop.

04:26Both offer similar benefits depending on what you're going to do with it.

04:31If you're going to be editing something very professional, I understand you need the MacBook, but if you're only going to be using Word, they have similar benefits but in completely different price ranges.

04:44Going into debt to travel.

04:45I say this in many videos.

04:47Please don't do it.

04:49Going into debt to travel for the sole purpose of sightseeing and showing the world that you're traveling is not a good idea.

04:56Traveling and sightseeing is great.

04:58It's a way to get out of the routine, to distract yourself and everything.

05:02But going into debt for that is simply not possible.

05:05You are very young and your debt capacity is very limited.

05:09For example, you take a sightseeing trip and use your credit card to buy plane tickets, pay for accommodation, food, and admission to the places you're going to visit.

05:20But when you return from your trip, you'll have a debt with the bank that you'll have to pay every month without fail.

05:26And what's worse, your borrowing capacity will be zero, and you won't be able to borrow to invest, which is what we always say you should do.

05:35That trip was probably a very pleasant experience, but it will turn into a headache that you will have to pay for every month for a long time.

05:44Plus, if you can't pay it all in the first installment, it will seriously affect your credit.

05:50A car that you will drive infrequently.

05:54When it comes to buying a vehicle, most young people think about a car, whether new or used.

06:00But this, often, rather than helping, tends to be a very common mistake, and is only due to social pressure.

06:08A car before age 30 is often a passion purchase that only ends up incurring more expenses.

06:14From the high price of fuel and the poor fuel-mileage ratio, to the maintenance of the vehicle itself.

06:21Making a tire change a large portion of a young person's salary.

06:26If we analyze a car's fuel consumption, maintenance costs, insurance, and taxes, the idea of continuing to travel by subway, bus, cable car, or whatever else is available in your city sounds a little more appealing.

06:39Car maintenance costs can take up to a third of your income in your twenties.

06:46And it seems like a totally unnecessary expense if you're only going to use it a few times a week.

06:53Although there is also a cheaper alternative.

06:56Low-displacement engines or motorcycles are vehicles that, for their price, offer much greater performance to young people who only want to get around the city occasionally.

07:06You sacrifice some of the comfort that a car with air conditioning can provide, but with much lower fuel consumption and 10 or 20 times lower maintenance costs.

07:19Think about it. A car or a motorcycle.

07:23Using credit cards without self-control.

07:26Listen to me very carefully, young man. Don't use cards if you don't have self-control and organization.

07:31Remember the travel example, because most people don't know how to use credit cards properly and get deeper and deeper into debt, which becomes a snowball effect.

07:42But that doesn't mean credit cards are bad.

07:46It's just that many people don't know how to take advantage of them.

07:50Credit cards can be a very useful tool when used correctly.

07:54I'll talk to you about this in more detail in another video, so you know how to use your credit card to make money with it.

08:04Not quite the opposite.

08:06Superfluous luxury products and services.

08:09The last expense you should avoid is buying luxury products and services that you don't need and are out of your budget.

08:17For example, many young people feel pressured to maintain a lifestyle they cannot afford.

08:23Expensive designer clothes, luxury accessories, premium subscriptions to multiple services, or memberships to exclusive gyms that they barely use.

08:32In 2025, with inflation and the rising cost of living, it's more important than ever to review all your monthly expenses and eliminate those that represent unnecessary luxuries.

08:44For example, do you really need to subscribe to five different streaming platforms?

08:51Do you need that VIP gym membership when there are cheaper options?

08:56Every small recurring expense adds up and at the end of the month can represent a significant amount of money that could be sitting in your savings or investment account.

09:06Don't be swayed by social pressure or aggressive marketing that makes you believe you need certain products to be happy or successful.

09:15These are the top seven things you should avoid buying in your twenties if you want to improve your finances.

09:22Remember that every small financial decision you make now will have a big impact on your financial future.

09:28Being smart with your money doesn't mean you can't enjoy yourself, but you should be more conscious of what you spend it on.

09:38Avoid these unnecessary purchases and you'll see how your financial situation gradually improves.

09:43If you want to continue learning about personal finance, don't forget to check out our other videos like

09:49How to Create Passive Income in the Digital Age

09:52Investment strategies for beginners

09:55And how to survive the next economic recession

09:58Like this video

10:00Subscribe to our channel

10:02And turn on notifications so you don't miss any content that could change your financial future.

10:08See you in the next video

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