The Biggest Financial Traps Men Fall Into Between 35 and 45 (Nobody Warns You)

i got lots of value from this video

My 2020 ford mustang GT 😩

Living in this financial trap. Damn

I regret waiting till my 30’s to take investing seriously. I saved hard but making that cash work instead of sitting in the bank is far better long term!

Good video, great advice. Currently in my 40s and over 10 years ago I got myself out of debt. The freedom that gave me was great, got the job I always wanted that paid well. But the last 10 years, has kicked my arse, with the cost of living kicked my arse and the saving dwindle away. My fully paid off car died and I decided to buy a replacement on finance because I was earning well. Unfortunately redundancy happy due to global markets etc. sold that car, to clear that debt and purchased a cheap run around. Fortunately I found a job, but a massive step down in wages. It’s only takes one choice or event to out of your control to change everything. Now in the process of trying to rebuild my financial freedom.

Being a wage slave to a family keeps you poor.

The idea of ‘sneaky obligations’ really stands out because they don’t feel like bad decisions at the time, but they quietly raise your financial baseline and reduce flexibility. Things like bigger mortgages or long-term commitments can lock you into needing a high income just to maintain your lifestyle, which is what creates that ‘stuck success’ feeling.

Every time you are facing a financial decision, ask yourself, "Does this give me more freedom or less?" – Major 🔑

One of the best YouTube videos I have seen

I’m 40 and have been living this way for about 10 years. Maybe I’m just in a rut right now but it feels like I’m just living for the future and not able to enjoy the present. Like maybe I’d be able to enjoy property/vacations/nice things more now than when I’m 70. Hopefully it all works out 😅

super

One of the best decisions I made was buying a house well under my means at 29. It gave me the freedom to change careers at 32. That career opened the door to starting a business.

I got a house when i was 18.now iam 35 and have no debt any more.i drive a 5000 dollar car. And this is a lot less stressful life. I had cancer 2 years ago. If i didn't live like this before i would be in a lot of trouble. Life can chance real quike dont buy stupid things that doesnt even matter in the end.

Thank you

6:45?? I'm having my coffee at 4:45 and taking a dump at 4:50

More people need to hear this before they fall into these common money traps! 📉

This age range really is a financial turning point for many men — great insights here! 💰

I went to a dealership to get my 20 year old car a part.
The dealership had an electric car for 54,000, which the salesman was trying to sell me.
No way Jose!!! I walked away fast.
No car payments for me😁

Nice video

❤❤❤❤

Recently I bought a new car (because I had a car accident). Very low interest rate – 0,99% for 6 years. It is electric and gets me 10x km for the buck. For 250k km it is about 30k saved from fuel only. This is almost half of the price. Wear and tear and maintenance I have calculated and in the worst case (ok, save some REALLY bad luck where every major system in that car collapses), it should cost me equal with my previous car (which was juston that mileage where things start getting expensive).
Even without the car accident, i feel I'd have made a good choice buying that new car.
Also, I have bought a full warranty for a pretty good price for 7 years. I feel good with my new car decision.

Guys,
Life must be lived! Why to focus having x amount of money at your 60 when all your youth has gone already! Don’t get too much in debt and don’t buy everything you see and you’ll be fine!

They should follow the igorots, thay have house n lot at young age

no house. cheap second hand car. still broke.

This was a really nice talk. I think desperation in anything society has created will take your freedom away from you. We need to talk to ourselves, listen to ourselves, have these discussions with ourselves before quickly responding to our monkey minds.

Divorce, child support, alimony.

Give me advice

… this is stress, Just made me feel worse 😢

Very informative

Thanks for the information

as an incoming 32 yr old man who are still single and young at heart haha , I realized too early that our society is broken (whatever that means)–now, by the grace of God and the decisions I have made albeit not perfect–I can still enjoy slow mornings. I could not express it clearly, but to make a cup of coffee in the morning while everyone is rushing to the office–is a treasure already!

So many important lessons here — appreciate how this video educates without sugar-coating anything

Credit card debt was definitely the most difficult to conquer

Most men at 40 aren't "successful"—they’re just high-income slaves. Your six-figure salary is being set on fire to maintain a lifestyle that actually owns you. Real money is the power to say "no" to your boss, not a $2,000 mortgage on a house you’re too stressed to enjoy.

Stop bragging about your salary while your bank account is a leaking bucket. Mistaking income for wealth is the biggest finance trap.

Buy house in cheaper regions.

This age range really is a pressure cooker. Career peak grind, bigger house, kids, lifestyle creep… and suddenly the margin disappears without you even noticing.

I feel like the biggest trap isn’t one big mistake — it’s stacking small commitments: higher mortgage, car upgrades, private school, subscriptions, helping family — all manageable alone, overwhelming together.

And ego spending is real in that window too. Trying to “look established” instead of quietly building.

Curious what people think is the most dangerous one — lifestyle inflation, divorce risk, business FOMO, or just burnout from trying to carry everything at once?

The two biggest financial traps for men at any age:
1. Marriage
2. Having kids with women who are not good partners.

I'm trying to explain all this to a partner that won't do the math right now. He wants a bigger house, lease a new car etc. He doesn't want to hear the math because 'we make x anount' and 'its normal'. One thing, you're videos always say 'men' over and over – I know I sound nitpicky but it does feel like women earners are being excluded by that when this is something everyone should understand

I made near 200k/year for a little bit and ended up more in debt than when I started. 7k on vacations every year? Yup. New truck? Sure. But more than that I also bought a 3000sq’ home next to a school. But the biggest one was my wife deciding she no longer had to work…I didn’t mind because isn’t that the dream? Unfortunately her 40k/year was worth about 70k of my money due to taxes so we weren’t really ahead.

Buying an investment property that I was going to put in a plan with the city
When after buying realizing that the program was ran by a few people and they wanted to”extra money ey” to make it work for me…

I could just leave my money invested in the market and make more money with way less stress

One of the best videos I've ever seen here😮

This video is better than a college degree. I can say that because I have 2 college degrees and 2 bachelor's degree all of them in engineering.

I've always been somewhat more responsible than average. I bought my first house at 19 years old. At 23 I sold it and bought a bigger one. Im 30 now and wish I would have kept the first one and rented it out, instead of selling it. But I was scared of the financial responsibility that came with the bigger house. I've also always had XM radio but I dont need it. I'll be canceling it now. Thanks for the video.

I played the capitalist game incorrectly. I didn't pursue a career after college. I just went from deadend job to deadend job while trying to have fun and enjoy life while avoiding stress like it was the plague. Time well spent. I can't relate to anything that normal people are doing at my age.

Seeing these numbers makes me sad as a Canadian. Its so much more expensive here vs these numbers. 100k isn't even middle class here anymore.

Dont forget to balance, you could die tomorrow…..