In this long video, I cover how I budget and all the ways I save money. This is at the request of one of my followers who wanted a comprehensive look at what I do to get some ideas for how they can practice financial minimalism too. Let’s dive in. I go into everything including what I spend on subscription services, business expenses, rent, phone bills, internet, utilities, rental insurance, loan payments, food, discretionary spending such as clothing, haircuts, alcohol, and much more. As I go through all of this, I will explain what I spend, how I save, and my reasoning behind it all. I think it’s important to dive into all of this and keep yourself accountable. I highly recommend everyone keep a budget and find creative ways to save money and practice financial minimalism. While I take it to somewhat of an extreme, I also enjoy myself occasionally and don’t recommend you sacrifice everything, but I do think most people can do a little bit more than they are already. A few luxuries and vices here and there are fine in moderation. How do you save? Do you keep a budget? What are some things you do to practice financial minimalism? Let me know what you think about this in the comments below and don’t forget to subscribe!

There’s a very easy way to remove the background from an image to crop yourself out that most people seem to be unaware of. I’m going to walk you through it on Photoshop, but most photo editing platforms should be able to do the same. You’ll probably need to follow along with the video, but I will outline how to do this in text form as well. 1. Add the image to your Photoshop workspace and edit it to be the right size before we start editing. Otherwise, you should edit the image separately and end by saving it as a .PNG file allowing you to change the size and transform the image without pixelating it. 2. If the image has a background that is all one color and you can remove it all using the “Magic Eraser Tool” then you should do this as the second step. 3. If you cannot use the tool for step 2, then you will have to manually trim along what you want to keep with a small eraser and remove the background around that with a larger eraser. 4. Once you have the general outline setup, we want to add a mask and clean up the edges. To do this first you’ll need to use the “Quick Selection Tool” and make sure you’re on the layer of the thing you’ve been editing. Then click and drag over every part of what you want to crop out and this will select the whole image. 5. Once you’ve selected the thing you want to crop out, click the “Select” tab and go to “Select And Mask” and click it. 6. Then you can add smoothing, feather, and slightly shift the edge as needed for your image. You can see the changes being previewed in real time as you edit. When you’re done, hit “OK.” 7. It highlights the inner selection of what you want to keep. The easiest way to get this is to just cut it out using “Edit” > “Cut” or CRTL+X for Windows, then paste it back into Photoshop. Now you’ll have the outline and the inner image. You can delete the outline and the inner image should be what you wanted. 8. To double check it’s correct, you can right click your layer > click “Blending Options” and then click the checkbox for outer glow. You can just increase it enough to see if there’s jagged lines on your image you don’t notice. 9. Edit any leftover mistakes or pieces of the background leftover with the eraser tool. 10. This is all you need and everything else I show in the video is extra. *This is a LBRY first video meaning it will appear on LBRY 1 hour ahead of all other platforms. Let me know if this was helpful and or if you need anything clarified or you have a better way of achieving the same thing. Feel free to leave and suggestions for future tutorials you’d like to see. How important are quality thumbnails to you? Let me know in the comments below and don’t forge to like, comment, share, and subscribe!

As many have seen recently, the SEC is going after Coinbase for preparing to launch a lending platform. There are other platforms like Blockfi who are also seeing restrictions in the US. Let’s dive into this and why I don’t think it matters that CeFi is having problems. **Video Timestamps:** 00:00 Intro 01:10 Coinbase 02:00 Blockfi 05:55 Hive 07:06 Insurance 07:57 SEC 09:27 Conclusion 9:51 Centralized Finance 14:26 Outro Many other platforms like Nexo, Celsius, and Crypto.com are likely to face the same fate and the point is simply that centralized financial platforms or CeFi will always end up with issues like these. A lot of this comes back to one simple issue. Are you leaving your cryptocurrency on exchanges or platform that control your cryptocurrency? If you are leaving your crypto on these lending platform because you feel they are “safe,” then think again. Your earnings may all be taxed and you may run into many issues later down the road. This is why it’s so important to stake cryptocurrency from a wallet you control or to provide liquidity anonymously through smart contracts. This makes all the difference for ownership, security, taxation, and more. By the way I am in no way recommending you do anything illegal tax wise, all I am saying is that you don’t have the option with anything in CeFi while there are many options out there in the world of DeFi. This article and my thoughts are less about the case itself and more so on the general sentiment around these platforms. If we lose them, it’s not bad for the industry at all, in fact you’re not even making as much as you could lending as you could through other ways to earn passive income from cryptocurrency that you can in a decentralized way. Decentralization, anonymity, privacy, etc. are the values and the ethos of cryptocurrency, so sticking to that and not allowing centralized platforms to run everything is ideal. Platforms and services like stock exchanges that sell direct crypto (which really don’t) like Robinhood or Wealthsimple as well as payment processors like Paypal who let you only buy and sell but not transact freely or truly own your cryptocurrency only hold people back from what is meant for. I thank them for the publicity, but you need to understand that all these centralized financial services are the original problem that we are solving with cryptocurrency. What do you think about crypto lending? How do you earn crypto passively? What are your thoughts on CeFi and Defi? What do you think about the SEC case against Coinbase? Let me know what you think about this in the comments below and don’t forget to subscribe! *Disclaimer: This is not financial advice and is purely for entertainment purposes. What you see, hear, or read is my personal opinion, and any statements made are based on my views and should not be misconstrued as fact. My crypto portfolio may or may not be simulated*

I've seen a lot of people start awesome giveaway incentives on here so I'm doing a giveaway as well for each follower milestone my LBRY channel reaches in 2020. The idea is that when I get my rewards from followers from LBRY, I will share a chunk of with one of you loyal followers. *new prizes adjusted to follower reward tiers changes which just dropped* ? 500 followers = 250 LBC giveaway ? - DONE ? 1000 followers = 500 LBC giveaway ? - DONE ? 2000 followers = 1000 LBC giveaway ? - DONE ? 5000 followers = 1000* LBC giveaway ? - DONE ? 10000 followers = 2250* LBC giveaway ? ✔ RULES TO QUALIFY ✔ ? Follow my channel ? Post a comment below ? Repost this publication ❌ Anonymous accounts don't count ❌ ✔ Qualified winners must complete all of the steps to win! ✔ Every time a milestone is hit, a comment will be picked randomly as the winner of that giveaway. By commenting once on this image, you are automatically entered into each milestone giveaway for 2020. Thanks to everyone who has followed me so far and good luck!