If you are feeling financially trapped in life, here are 7 money management tips to get in a better situation. If you would like to …
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If you are feeling financially trapped in life, here are 7 money management tips to get in a better situation. If you would like to …
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33 comments
What's a decision you need to make to get in a better financial situation?
Great video loved the hehe lmao
Who’s rewatching this already?
This was better than Netflix today.
I didn’t know I needed this until now.
Big W.
Year 6 of depriving myself
The Best System for Managing Your Money
In a world full of expenses and responsibilities, having a clear and practical financial system is the key to achieving both stability and growth. In this article, we share one of the most effective money management methods out there — one that, if followed seriously, could transform your financial life forever.
This system is inspired by a popular talk from financial expert Tom Ferry.
How People Relate to Money
Tom Ferry breaks people down into three categories:
1. 80% of people live paycheck to paycheck — barely covering essentials, with no savings or investments.
2. 15% live comfortably — they save, travel, and enjoy life, but their wealth doesn’t last.
3. 5% are wealthy — their money grows, and their wealth lasts for generations.
Because the wealthy use complex systems that most can’t follow, Tom suggests we adopt the practical approach of the 15% — easy to apply and very effective.
Shocking Truth: You Don’t Own All Your Income!
When you receive $1,500 in your bank account, how much do you really own?
Most people say: “All of it!” — but in this system, you should only use one-third for your personal needs. The rest is directed toward your financial future.
Smart Monthly Income Breakdown
Whenever you receive money (salary, profit, or gift), divide it like this:
• 33% for Essentials: Rent, bills, transportation, loans.
• 33% for Investments: Reserved for business, savings, or assets.
• 33% for Personal Use: Food, shopping, fun, travel.
• 1% for Charity: A small, intentional donation to add meaning and blessing.
Real-Life Example
Let’s say your monthly income is $1,500. Here’s how it breaks down:
• $495 for essentials
• $495 for investments
• $495 for personal spending
• $15 for charity
What Happens After One Year?
📌 Essentials:
If your expenses are only $400/month, you save $95 every month.
That's $95 × 12 = $1,140 in a year — emergency savings or a loan buffer.
📌 Investments:
$495 × 12 = $5,940/year — perfect to start a side hustle like an online shop or service.
After two years: $495 × 24 = $11,880 — enough to launch two income streams.
📌 Charity:
$15 × 12 = $180/year — small but powerful. Giving back brings blessings and community impact.
Long-Term Benefits
• You reduce stress with a safety fund for emergencies.
• You break free from paycheck dependency through smart investments.
• You live comfortably with a guilt-free personal budget.
• You gain inner peace and blessings through regular giving.
The Bottom Line
This system is more than just math — it’s a mindset shift in how you deal with money. It works for anyone, no matter your income. And the more consistent you are, the more freedom and financial confidence you’ll gain.
Start this month. Even if it feels hard, stick to it — and one year from now, you’ll be amazed.
“Give every dollar a purpose — and money will start working for you, not against you.”
Too Busy to Track It All Manually? Try the Smart Way!
We know — dividing your income and tracking expenses can get messy, especially with changing bills or unexpected costs.
That’s why we built DiviFund, a smart and easy-to-use app that applies this system automatically.
✨ What DiviFund Does
✅ Instantly splits your income into Essentials – Investments – Personal – Charity.
✅ Tracks your spending in each category, so you know exactly where your money goes.
✅ Gives you visual reports and charts to track your growth over time.
✅ Works in multiple languages (including Arabic), with RTL support for Arabic users.
Why DiviFund?
Because great ideas need great tools.
DiviFund isn’t just a finance app — it’s your personal money coach, helping you build a future of freedom and purpose.
📲 Download DiviFund today, and let it handle the numbers while you focus on your life.
👉 Join our WhatsApp Group to try the app
https://chat.whatsapp.com/GDVarYrcR540EY4T6xXshL
This video emphasizes that money can feel like a prison, but it’s empowering to know we have the tools to break free. The idea of sacrificing short-term pleasures for long-term stability is so true, even if it’s tough. I’m curious, though: What’s one small step you’ve taken to regain control of your finances? For me, creating a budget was a game-changer. And that quote about hope? Absolutely needed that reminder today.
Planning money at risk and daily
Yes is true stability money and asset if low, undo is finish a important false buy
Here’s my formula for extra money. Have a side hustle to keep you busy and make extra money and have good habits. It’s that simple. If you have just one job and you are paying for bad habits such as smoking and drinking then you are working less and spending more.
Work more and have good habits which means more money and spend less.
Suffer now or suffer later. That’s how I’ve lived my life and I have no regrets.
Jesus is hope dear. My only HOPE WITH EVERYTHING
This really gave me some insight and motivation moving forward
1:21 – are you joking? With current rate race even financial advisor says its pivotal for mental health to have holidays . Well maybe for start to avoid burnout
Thanks a lot! This will make a difference in my financial life.
Yes, like saving up for a car. Refinancing to a 15 year mortgage. And even cutting up the credit cards. Pay cash for everything. ❤
Great video cousin 💪🏾 funny too
This is encouraging.
Thank you Sir!!!!
These are great tips!! I also help people on my channel!
Excellent! I also posted a similar video!
The Best Lifestyle channel
on YouTube.
Excellent content.
Excellent presentation
Easy ready to apply solutions.
Thanks Austin.
From Communist Australia 🇦🇺 🦘🦘
😂
Slavery due to finance since beginning of time.
Well explained.
Wow what a great video, thank you sm .👏🏾👏🏾
1. Deprive yourself until you have some stability. 1-2 years
2. Work hard until you have some stability
3. Extreme changes are temporary
4. Sit down and make a plan
5. Examine plan if no results
6. Only focus on the things you can control.
7. Hope dies last
Thanks for these tips man. These are eye openers.
Bro the end got me 😂
Wow! This was an epic video.
I was In the service for 7 years and obviously wasn’t making good money..
I got out and started making 150k which was 4x the amount I was making in the service. But still felt like I was living paycheck to paycheck.
I sat down with my wife and had a real talk. We were going out to eat every week.. shopping on Amazon all the time. Just blowing money.
Then we started living way below our means. And life has changed for us. I’m obsessed with saving now and still extremely happy in life. And now I’m on track to retire for good around the age of 46-48. I’m currently 27 years old and until I’m retired I will continue to live this way. All you need is consistency
Thanks man! Yor video really built me up!!