6 Steps To Be Less Broke
In this concise instructional video, Shanli Liu, CPA, CTP, addresses viewers who have less than $100,000 in savings and offers a six‑point plan to dramatically reduce expenses and increase income. The first three steps focus on extreme frugality: stop eating out, buy only discounted groceries, shop exclusively at thrift stores like Goodwill, and attend only free social events. The fourth step shifts to income generation, urging viewers to apply for higher‑paying jobs, start side‑hustles, and acquire higher‑value skills that command a better hourly rate. The fifth step emphasizes outworking the hardest employee in any new role, essentially doubling the effort of the top performer. Finally, Liu advises a 36‑month patience window, stressing that the previous actions are the “what to do in the meantime” while waiting for financial improvement to materialize.
