--- title: '⚠️ Do THIS with Your Money in the First 24 Hours After Paycheck!' source: 'https://youtube.com/watch?v=5TU5WfiF-as' video_id: '5TU5WfiF-as' date: 2026-07-31 duration_sec: 585 --- # ⚠️ Do THIS with Your Money in the First 24 Hours After Paycheck! > Source: [⚠️ Do THIS with Your Money in the First 24 Hours After Paycheck!](https://youtube.com/watch?v=5TU5WfiF-as) ## Summary This video explains a practical money-management system used by an ordinary couple in Krasnodar, Sergey and Yulia, who earn about 180,000 rubles a month but live comfortably. The core idea is to allocate every ruble on payday: fixed expenses, automatic savings, an emergency fund, and separate spending envelopes. It also gives simple life hacks for automating savings and controlling spending. ### Key Points - **The couple's financial background** [00:02] — Sergey and Yulia earn about 180,000 rubles per month combined, yet appear to have a 300–400,000 ruble lifestyle — always well dressed, going on vacations, and never asking for money. - **First 24 hours: distribute every ruble** [01:41] — On payday they already know exactly what they will spend. They use a simple Excel table to allocate every 1,000 rubles across fixed expenses: apartment, utilities, communications, internet, groceries, transportation. - **Mandatory expenses breakdown** [02:13] — On average they spend about 100,000 rubles on mandatory expenses: mortgage 45,000, utilities 10,000, groceries 30–35,000, personal care 20,000, gasoline 10,000, and car repairs 2,000 per month. - **Step 2: pay yourself first** [03:37] — They set up an automatic transfer on payday to a savings account so 20% of every salary goes to savings before they can touch it. Over a year this accumulates about half a million rubles with interest. - **Emergency fund: 6 months of expenses** [04:05] — They keep a safety net of at least 6 months of expenses (roughly 500–700,000 rubles). This gives them calm indifference in an unstable job market, e.g., Russian Railways announced a 15% staff reduction in its organizational department. - **Envelope system on cards** [05:07] — Money is divided by purpose: groceries on one card, everyday expenses on another, savings in a separate account. Physically separating money prevents using vacation funds for spontaneous marketplace orders. - **The 7-day rule and large purchases after the 10th** [05:38] — The week after payday is psychologically dangerous because people feel rich. Sergey and Yulia delay any large purchase until after the 10th, when emotions subside and many desires disappear. - **Vacation fund and smart trip planning** [06:21] — They set aside 10,000 rubles monthly for travel. Booking flights and hotels six months in advance and traveling off-peak cuts costs — flight and hotel account for almost 80% of a vacation's total price. - **Practical life hacks for Russia in 2026** [07:17] — Automate salary-to-savings transfers, set category limits in banking apps, and don't count income — count what's left at the end of the month. If nothing is left, you're working for nothing. ## Transcript receive their salary and within a week they start playing the hunger games. And they are clearly not in the Capitol. The second ones get the same money, and somehow they have vacations, and Türkiye, and their technology is updated, and they always have money. It's all about how they act in the first 24 hours after receiving the money. You are on Artem Zvezdin's channel. Let's figure it out. I'll tell you everything using the example of my good friends Seryozha and Yulia. This is the most ordinary family from Krasnodar. Hello to you, my dears. Seryozha works as an engineer in a private company, and Yulia is a remote marketer. According to Seryozha himself, their total income is approximately 180,000 rubles. for two. These are not wealthy citizens at all. I would n't even call them middle class given current prices. When I found out their real income, I was honestly surprised, because visually it seemed that they were, well, at least 300-400,000 rubles. They have it per month. They were always well dressed, went on vacation, had a good car, and I never saw them in any difficult financial situation. In any case, they never asked me for money, unlike all my friends. I often visited their home, and it was always cozy, with all the appliances and repairs, modestly, but very cozy. For comparison, I have a friend who earns more than the two of them together, and yet lives worse. He even manages to use a credit card . When I asked my guys where they actually get their money from, they burst out laughing and showed me the system that allows them to indulge in everything they want. Here's what they do in the first 24 hours after payday. The first thing they do is immediately distribute the money among the sectors. On payday, they already know in advance how much money they will spend and what they will spend it on. This is a specific table. It is very simple, located in a regular Excel with fixed expenses. They sit down in the evening, open their laptops and distribute every 1,000 rubles. apartment, utilities, communications, internet, groceries, transportation. In general, everything is recorded, for example, mandatory expenses. On average, they spend about 100,000 rubles on them. They pay the mortgage, but if you do this again, it can be taken into account in the rent. They pay 45,000 rubles for the mortgage. Utilities cost approximately 10,000 rubles. Grocery products cost 30-35, and Yulia's manicures and other women's things cost about 20,000 rubles. They don't skimp to the point of absurdity, but they always shop wisely, according to a list, and without daily impulse purchases. Internet connection is calculated separately. Gasoline costs approximately 10,000 rubles. At the same time, they put aside 2,000 rubles every month. for car repairs. Well, in case something happens to the car or something needs to be done, they have a separate bank for forbid, he doesn’t take money from your salary, but simply takes it from this, let’s put it in quotes, envelope. That's how it works. And in 2026, this is especially important in Russia. Prices are constantly jumping, rising, everything is changing, and it’s not always possible to buy something. We overpay for everything and money slips through our fingers. They always have every expense item under control. This concerns the necessary living expenses. The second step they take after distributing their living expenses, what do you think they do? Who do they pay immediately in the second step? Well, of course, to myself. More precisely, they send this money to a savings account. They use a cool banking option. Somewhere in the banking app, they set up an automatic transfer on payday to a savings account, so that there would be no temptation, so to speak, to quickly use this money. Thus, as soon as the salary is deposited onto the card, 20% of it goes into the general savings account. This is their mandatory payment. Thus, over the course of a year, about half a million accumulated in this account alone, taking into account the interest on the deposit. And here we smoothly move on to the next aspect of smart money that Sergey and Yulia use. Airbag. They have rules: at least 6 months of expenses must be in reserve. For them it is approximately from 500 to 700,000 rubles. That is, they collect all this gradually, not all at once, but now they have a safety net, and this gives them a calm indifference. In 2026, the labor market is very unstable. Projects are closing, companies are cutting back, and even large companies are doing it. At the time of recording, only Russian Railways, a major company, announced the reduction of 15% of its organizational department employees. And there are a huge number of companies like Russian Railways. I won't even mention small businesses. Without a safety net, you live in constant stress. They will fire you or not. And how will I live? What am I even going to eat with? And here, even if something happens, the guys are protected for a year or up to at least six months, as long as they have a safety cushion. After all strategic expenses, the money is divided into envelopes, not literally into paper ones, of course. Thank God, we don’t live in the 19th century, but by accounts and cards. Groceries - one card, everyday expenses - another card. The savings go into a separate account. When the money is physically separated, you don't have to use your future vacation to pay for a spontaneous order on the marketplace. And that's really great. They also limit the first 7 days after salary. This is, you know, a top-notch life hack. The most dangerous days are the week after receiving the money. You feel like some kind of rich guy. Psychologically, it seems like you are rich. And it's at this very moment that people rush to marketplaces, update their wardrobes, and order all sorts of crap. The guys went through this too. And now Seryozha and Yulia have a rule that large purchases can only be made after the tenth. During this time, emotions subside a little, and almost all desires disappear somehow on their own. And you start spending money on what's really important, not on the emotions you're trying to get. As for rest, there is a system of its own. They put aside a fixed amount each month for their trip, just like they would for a car. Not much, only 10,000 rubles. But over the course of a year, a decent amount accumulates. Plus, they monitor tickets in advance, monitor promotions, and plan their vacations outside of peak season. Seryoga says: "Well, I'm not a billionaire, so I can go somewhere like the Maldives. But at the same time, they go somewhere every year, every year they vacation, and most people don't even have a foreign passport. You'd be surprised, but if you look for flight and hotel tickets six months in advance, they'll cost half as much. And taking the exchange rate into account, it's really a good deal. And the flight and hotel account for almost 80% of the cost of the entire vacation. That's their whole system. Now, on to practical life hacks for Russia Now, on to practical life hacks for Russia in 2026. The first life hack is automation. What these guys do with automatic transfers from a salary card to a savings account, you can do exactly the same. The second life hack is category limits. You can set spending limits in any banking app, and it really works. The third rule: don't count your income, count your balance. People always say: "Look, I get 100,000 rubles Or 150,000 rubles." The correct question is a little different. How much do I have left at the end of the month? If you have nothing left, then you're working in vain. As my ex used to say, I work for the toilet. Now, if you also feel like you 're working for the toilet and have nothing left, then you're doing something wrong. You need to optimize your financial strategy for a normal life. Fortunately, this is not a problem at all. We have a course called "Forging Money ." Everything is absolutely free. Powerful lectures on optimizing your financial strategy. I promise that this is not an inflated warm-up or fluff, but only provides the specifics of a real working scheme. Scan the QR code and familiarize yourself with it. The point of the first 24 hours after payday is to initially distribute everything correctly. People spend first, then think and then try to somehow save the leftovers. You need to turn the logic upside down a bit. Take an honest look at yourself. What do you do on payday? Do you celebrate, order? Or do you relax or Sit down and consciously calculate your budget? Sergey and Yulia don't earn astronomical sums. They are ordinary people, ordinary Russians. They simply decided to spend money wisely. And every month, on the first day, they confirm this with their actions. And this allows them to live a full life, without denying themselves anything. Of course, they'll have to give up the Maldives. But if Sergey and Yulia lived in another country, where they were more prosperous, or in another city, I'm more than sure they'd fly to the Maldives too. Try living this way for one month . Just one. Just on the first day, separate everything into separate shelves and leave your savings alone. You'll be surprised how much more money you'll have than you thought. It's amazing: money loves order and runs away from those who spend it. In a disorderly manner. No mysticism or esotericism, just math.