- I have zero income right now,
but somehow I'm able to afford to live.
No, I don't have a wife or a girlfriend
that are supporting me.
I'm not on government assistance.
I'm not a multi-millionaire.
And I definitely didn't come from money
unless coming from money means that you had a deadbeat dad
that didn't pay child support.
In that case, myself, my mom,
and my three siblings were super-rich growing up.
Technically, I have an only feet side hustle
where I show pictures of my gross sweaty feet,
but I don't live off of that money.
So then, how much does a random loser like me
on the internet spend every month with zero income?
I'll take you into my spreadsheet
to break down how much I have set aside
for each spending category
and whether or not I've been spending way more or way less.
For those of you who just came to the total number,
it is $2,930.00 per month.
And for those of you who wanna see the category breakdown
so that you can judge me in the comments in your own mind
or in some sort of reaction video,
then continue watching.
I know there's going to be a few categories
where I'll probably say some things
that piss some of you off,
so mentally prepare yourself right now because I don't care.
By the way, I am balling out right now
because I was living off of way less money
back when I had a full-time job.
So keep that in mind.
Before I break down each spending category,
let me get you up to speed with how I got to the point
where I have zero income.
The main reason I don't have any income
is because at the end of August of last year,
I quit my job in corporate America
to take what I'm calling a little mini-retirement.
- (bleep) you, (bleep) you, (bleep) you, you're cool.
And (bleep) you, I'm out.
- I made a video breaking down the details,
which I'll link up at the end of this video
and down in the description as well,
if you are interested.
Basically, I was ready to move on to a different company
because I was getting kind of bored
and wasn't really feeling challenged.
So instead of immediately moving from one job to the next,
I decided to take a little gap year.
I know what you might be thinking
because I was thinking the same thing.
Is having a one-year gap in between jobs
really going to hurt my career prospects?
Who knows? And to be honest, who cares?
Because I'll finger it out when I cross that bridge.
Heck, since McDonald's is paying $20 per hour,
that's always an option.
So here we are now.
I've been pretty good with my money for a long time
since I've been on that financial independence grind
for quite a few years.
When I was working, I had gotten my savings rate up to 83%,
if that kind of sheds some light
on how I'm able to live on $0 of income right now.
Okay, enough about that BS.
Let's get into the thing
that you guys are all here for, the numbers.
The main categories are broken down into five areas.
Housing is going to consist of the usual suspects,
mortgage, and utilities.
Food and medical are pretty self-explanatory.
Transportation is gonna cover my luxurious sports car,
the Hyundai Sonata.
And the last category is for everything else
that didn't fit into one of those that I just mentioned.
The housing category makes up 35%
of the amount that I spend,
which is $1028.00 per month.
I own a home here in Ohio
where the weather kind of stinks
a couple of months per year,
but the cost of living is absolutely on point.
It's a three-bedroom house
that I'll eventually turn into a rental property
when I meet my next girlfriend and move in with her
to cut out my housing expenses altogether.
Yep. I'm gonna live there for free
because I'm going to make her let me live there for free.
Settle down. I'm just kidding, you freaking weirdos.
With mortgage, insurance, and taxes,
that monthly expense is a measly $593.42.
For utilities, I set aside $433 per month.
That includes electric, gas, internet, water, trash.
And I count my cell phone in this category as well.
I don't actually spend $433 per month in this area, though.
I over plan for this category because every now and again,
the city will do some sewer or water project
and jack our bill up for a few months
just to pay for those improvements.
It only happened once or twice over the years,
but it annoyed me and scarred me so much
that I like to have that extra money
planned for just in case.
Depending on how many women I'm dating stay at my house,
I'd say, on average,
utilities range anywhere
between $270.00 and $325.00 per month.
And if they happen to stay too long,
you're darn right, I'm charging them for utilities.
Do my dog, Molly, a huge favor
and hit that thumbs up button,
because like I always say,
more likes I get on this video means more hikes for her,
and she loves hiking in the woods.
Food is an interesting one.
Back when I was working,
I had my budget set for $320.00 per month,
but I wanted to go absolutely hog-wild
during this time off work.
So I decided to increase that to $400.00 per month.
This is one of the areas
I've been consistently overspending,
but I'll explain why.
I also set aside $90.00 per month for cheat meals,
which I've only been using between $70.00 and $85.00 of.
Okay, let's talk about why I've been overspending
on my food so much.
Now I'm usually anywhere
between $40.00 and $80.00 per month over budget.
In the past, I've been known to buy a whole ice cream cake
and eat it within a 24-hour period,
but I assure you this wasn't any of those times.
I hate to use this excuse because it feels like a cop-out,
but some of the increase has had to do with inflation.
Now I'm personally a meat-eater,
and prices for those sorts of things
have been on the rise for a while.
I'm an eat meater. I'm a meat eater.
Since I shop for meat at a local farm,
I probably pay a little bit of a premium, but to be honest,
I'm not gonna change this spending habit
just to save a few dollars.
I've been buying meat from this place for years
to optimize for quality.
So even thinking about having to go buy meat
from a regular grocery store makes me absolutely gag.
Another big contributing factor
is that I've greatly increased my food intake
over the past few months due to switching up my diet
to one that's focused on building more muscle.
Because of that, I've had to increase my protein intake,
which means more money on food.
Transportation makes up 8%, which is $227.00 per month.
Now $150.00 of that goes towards gas.
The first couple of months,
I went over because I was doing a lot more traveling.
But when I'm not on the road as much,
I stay in line with the amount that I have budgeted.
The rest goes towards my car insurance.
Now I pay it six months at a time to get that discount.
But every month, I set aside $77.00
so that I have that full amount ready to go when it expires.
I bought my car with cash a couple of years ago
because I hate car payments,
so I don't have to dish out money
for this sort of thing every single month.
13% of my money is set aside for medical expenses,
which is $400.00 per month.
I have yet to use the full $400.00
or even go over that amount in one month.
The only consistent expenses
that I have every month is $283.00,
which is for health insurance,
and my monthly subscription to the meditation app
that I use every day.
I did pay for a lifetime membership
the end of last year for that meditation app,
so that monthly payment will completely disappear.
Not gonna lie. It was pretty expensive at $399.
But for me, keeping up on my mental health
is just as important as my physical health,
so this was kind of a no-brainer.
I've gotten so much benefit from it
over the past three years
that I've consistently meditated almost every day
to where I've logged over 270 hours.
Because I've been so consistent,
I'm not really worried about potentially
falling off the wagon when it comes to meditation.
So I felt pretty comfortable
dishing out this large amount of money.
Since I'm a pretty healthy guy,
I set any extra money left over into a medical fund
in case something random comes up in the future.
I do buy certain health supplements,
which I could technically put into this category,
but I have a specific category set up for that,
which I'll talk about in the next section.
Now we're on to the infamous other category.
It's the second-highest expense that I have every month,
coming in at 27% or $785.00 every month.
Here's the area with the highest potential
to offend a few of you,
so prepare yourselves.
Of the total $785.00,
5% of it goes towards my membership fund,
which is $40.00 per month.
This is the money that I have set aside
for the usual membership fees that I pay every year,
like Amazon Prime and Sam's Club.
Not very controversial,
so let's move on to one
that might make your blood boil a little bit.
I spend 6% of this category on a haircut every single month,
which totals $45.00.
Now some of you might be scratching your head,
wondering why in the world
I would pay that much money for a freaking haircut
when I can go to one of those cheapo places
that only charges you $15.00 to $18.00.
Well, that's because there's nothing great or super
about a haircut that you
come out of those kinds of places with.
I mean, I guess if you're looking for
a solid Lloyd Christmas haircut,
then going to a place where the name literally tells you
how cheap they are might work out for you.
- That's a lovely accent you have.
Let's put another shrimp on the barbie.
- In my opinion, those places
are like the Chuck E. Cheese of haircutting establishments.
Adults do not belong there.
If you're a dude over five foot,
then put the cheese pizza and ski ball down
to go see a real barber.
This even goes for my close buddies
that I've been friends with for 25 years
because all of those guys
go to this type of place for their haircuts.
I love them to death, but they're idiots.
The haircut I get is only $30.00, which is pretty cheap.
But my barber does a solid job every single time,
so I tip him $15.00 because he's worth it.
I'm going to combine the next two categories together.
For household items and toiletries,
I set aside 9% or $70.00 per month.
These are the usual things that you would imagine,
paper towels, toilet paper, toothpaste,
razors, soap, and those sorts of items.
I've been consistently overspending
in the toiletries area every single month.
This is probably the category
that I could have budgeted about $25.00 more per month.
The next category is for supplements/health,
where I have 4% or $35.00 set aside every month.
This is another category that I've been overspending in,
but it's mainly because I've been buying more of something
that I wasn't really expecting.
If I had planned for an additional $20.00 per month,
then everything would be in good shape.
I normally have some sort of gym membership
in this category, but back in 2015,
I built out a garage gym
with high-quality Rogue fitness equipment,
and I haven't gone to a commercial gym ever since.
By far one of the top three investments
that I've ever made in my life.
Plus, having to work out in a commercial gym
is my personal hell.
So I'm happy to never have to go back
to one of those crowded places ever again.
Supplements are pretty much
where all this money goes every month.
I'm not big on taking a whole bunch of them
because I think the majority
of what's being pushed to consumers is basically snake oil.
Over the years, I've tried just about everything
you can think of and have ultimately cut it down
to a few products that are most effective.
One thing to mention real quick is an FYI
is that not all supplements are created equally.
There's different levels of quality
between these same exact supplements,
so always keep that in mind.
And, of course, do your own research and deep dive
before randomly throwing supplements into your body.
The first is fish oil,
which I've been taking every day for over 10 years.
Now the brand that I use is called Dr. Tobias,
which you can find on Amazon.
The second thing I take
is five grams of unflavored creatine monohydrate every day.
I avoid the ones with flavoring
because I don't need the additional sugar that they add.
The third is vitamin D,
which I've been taking for about four years at this point.
The only reason that I take this
is because during the winters here in Ohio,
the sun is basically non-existent,
so it helps with seasonal depression.
Fourth, I'll take beta-alanine as a pre-workout.
Now, I hate taking the traditional pre-workout supplements
that are packed with a bunch of sugar and other garbage
that you really don't need.
Lastly, I'll sometimes take protein powder
if I need some help hitting my protein intake for the day.
Adding in the protein powder
is what's been making me overspend in this category.
Costs for my dog Molly account for 10% or $75.00 per month,
which includes about $52.00 for food,
and whatever is left over,
I'll buy her a couple of toys or bones.
Let me know in the comments
how much you spend on your pets every single month
cause I'm kind of curious.
Now for the big category, which is my fudge/fun money,
that's 66% or $520.00 per month.
This money covers any overspending
that I do in other categories.
It's also the money that I spend
on anything and everything else.
Think of things like hobbies, traveling, dates with women,
gifts for my nieces and nephews, as well as concert tickets.
One thing I didn't wanna do
was limit the amount of money that I spent on fun things
during my mini-retirement,
so I added a little more than I thought I'd need.
Turns out, I've been staying under budget in this area
over the past five months
without having to limit myself at all.
Overall, I've been staying under budget
by anywhere between 15% to 20% every single month
except December.
That month, I spent 99% of the money that I had set aside
because I went overboard
and spoiled my nieces and nephews for the holidays.
Make sure to hit that thumbs-up button before you go.
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I'll see you in the next one friends. Done.