What Are the Top Purchases That Are Worth the Money?

TL;DR

The top purchases worth the money include a Subaru Forester for reliable transportation, Smile Direct Club for affordable teeth alignment, and essential personal finance books for improved financial literacy. Smart spending involves researching options and prioritizing investments that enhance quality of life and promote financial well-being.

Transcript

I love focusing on budgeting and paying off debt and saving money but I also advocate for really smart spending it's totally okay to spend money as long as you have a plan and a budget in place to make that happen so today I wanted to ask two of my YouTube friends about their top purchases that were worth the money I'm going to be sharing - well we... Read More

Key Insights

• 🤑 Justine emphasizes the importance of having a plan and budget while spending money, even during debt repayment.
• 👨‍🔬 Smart spending includes making informed choices based on research, value, and long-term benefits.
• 🤳 Investments in self-improvement, such as teeth aligners, can boost confidence and quality of life.
• 🤑 Financial education through books can lead to significant changes in money behavior and mindset.
• 🥺 Wise spending decisions can enhance overall well-being and lead to a more fulfilling life journey.
• 😃 Justine's experiences highlight the balance between frugality and enjoying purchases that add value and joy.
• ❓ Utilizing savings and financial accounts like HSA for purchases can optimize spending strategies.

Questions & Answers

Q: What was Justine's first significant purchase that she considered worth the money?

Justine's first significant purchase was a 2015 Subaru Forester, selected after thorough research for reliability and safety. She and her husband saved for years and paid $25,000 in cash for the car, prioritizing a budgeted approach to spending.

Q: How did Smile Direct Club impact Justine's confidence and finances?

Smile Direct Club allowed Justine to straighten her teeth for $1,845.50, much less than a traditional orthodontist quoted. She utilized her HSA card for payment and now feels more confident in her smile, showcasing the value in smart spending for self-improvement.

Q: Why does Justine recommend the books "Think and Grow Rich" and "The Little Book of Common Sense Investing"?

Justine credits these books for transforming her money habits and mindset. "Think and Grow Rich" emphasizes actionable steps for success, while "The Little Book of Common Sense Investing" simplifies investing through index funds, offering valuable financial education.

Q: How does Justine view spending on items that bring joy, like Harry Potter accessories?

Justine encourages spending on items that bring happiness, like Harry Potter accessories, emphasizing that personal enjoyment and value are essential aspects of smart spending. She acknowledges that investments in joy are just as important as financial investments.

Summary & Key Takeaways

• Justine shares top three purchases worth the money: a Subaru Forester, Smile Direct Club, and personal finance books.

• She emphasizes the importance of planning, budgeting, and conscious spending while paying off debt.

• Justine's journey to financial freedom involves smart spending and investing in items that enhance her life.