unpopular MONEY OPINIONS

Get ready with me while I tell you some controversial money opinions I have. As a financially literate 25-year-old with multiple six figures saved and invested. Number one, I don't dream of buying a home anymore. I feel like when I first started out on my financial literacy journey, I thought that buying a home earlier would be a bigger flex. Oh, I bought my home at 23, 24. Now I'm 25. I just don't really see it as an aspiration. I see it as a huge cost rather than an investment. I think currently we're in the UK, we're in a renters market, which is obviously a good thing. But buying onto the property ladder, if it even exists, not anymore. It's just not really worthwhile in my opinion. Number two, if you want to build wealth, you can't have a victim mindset. What do I mean by this? I think you have to believe that you happen to the world, not the world happens to you. People that have a trait called high agency, they are able to act without permission. And yes, we all have different starting points, a lot of things are unfair. But I think the people that come out on top aren't the ones that ignore those systemic differences, that they use that as an advantage. Instead of looking at other people having more than them, they don't think, well, it's not possible for me because I haven't X, Y, and Z. Because they think, well, because someone else has that thing, it means it's eventually possible. Number three, you can be frugal and spend money. I don't know where this idea came from that you have to be a certain way to be frugal, never getting anyone else to do, never buy coffee. For me, I don't personally do those things, but I do splurge on some other things, and I'm happy to spend on travel and experiences and I often buy expensive clothes, but that doesn't mean that I'm not frugal. For example, I made a video on YouTube talking about things I splurge on. One of those being tech. And I understand that a lot of Apple's appeal is its marketing, it's not necessarily that it's a better product. But I predominantly make my money from my laptop and my phone, so investing in those things has actually has a huge return on investment. I don't really understand how that isn't frugal. You can be frugal on 30k a year and you can be a frugal millionaire. It's literally just about knowing your values and not wanting to compromise on them. Number four, you need your own money - always. So much emphasis online about living a soft life or finding a rich man to solve all your problems. Jokes, girl, I don't know how credit cards work. Look, it's absolutely fine to find someone who wants to provide for you and wants to be generous. Financial dependency, definitely a different thing. It doesn't mean that you have to give in to hustle culture and live this super unbalanced life. But becoming financially literate, my own emergency fund, having my own savings and investments, and even paying my own way has given me so much more confidence than letting someone else pay for my entire life. Number five, most people underestimate their entrepreneurial side. Is everyone could be an entrepreneur, but I think a lot of people underestimate their ability. I've always had an entrepreneurial streak, trying out things like side hustles, reselling. Those things aren't gonna be for everyone. But to me, being always isn't always means your job, starting a business. It could just mean in your current situation, maybe joining, negotiating equity. It could also be improving your visibility, building a personal brand online. It could just mean posting more about your industry on LinkedIn, or maybe having a presence at networking events or speaking gigs. If I was looking to build a business today or start content, I would look at the intersection where my interests and passions overlap with where I can provide value for other people. So those are five unpopular money opinions I have. If you enjoyed this video and want more investing content, follow for more.