[00:01] number one is that if you invest any sort of money at all, the average American, 48% of them in fact, do not invest in any 401k or IRA. So, if you're already investing, you're ahead of that
[00:13] game, and I would target between 10 to 15% of your paycheck if you can, and that will get you on track to a full retirement. Number two is that you can cover a $1,000 emergency expense because 59% of Americans cannot do so. So, I
[00:27] today is just to make sure that you have hundred dollars in cash reserves saved for emergencies. Now, obviously, if you can get that to three to six months
[00:40] Number three is that you have no high interest rate debt or BNPL or buy now, pay later debt. In fact, 47 to 55% of Americans have actually used buy now, pay later debt, and that just kind of
[00:54] having to pay off payments for something that you might have just impulsively bought in the first place. Number four, you have no car debt. So, one in four thought that number was going to be a lot higher, but still the average new
[01:08] lot higher, but still the average new car payment in 2026 is $770 a month. So, debt, you're going to be in a really good spot financially. Sign number five designer goods or status symbols. I think a lot of people want to show off
[01:21] your wealth quietly, I think that's better than the alternative. Let me know how many of these you've got in the comments, and follow me for more.