Stealing from the YouTube comment section.

1- 1:27 Just putting money into a retirement account does not mean you are investing

2- 2:28 You can be financially independent even if you don’t own a home

3- 3:57 savings should be something you do passively, not actively

4- 4:57 investing should not mean picking individual stocks

5- 6:17 spending less is not the same thing as saving

6- 7:30 budgeting is not the opposite of spending

7- 8:40 restricting your spending will not allow you to build wealth as much as bringing in more money

8- 10:03 keeping a running credit card balance is not good for your score

9- 11:11 almost everything is negotiable, including debt

10- 12:45 you shouldn’t necessarily aim to get a tax refund

11- 13:50 even if you make a lot of money, your spending still matters