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YouTube Videos/Why i haven't paid my mum back yet... [BMi6beanPYc]
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Overview
Daniel owes his mother around £19,000 for assistance with a car and tax penalties, but he prioritizes building a £10,000 safety buffer and investing before repaying her.
Daniel earns about £4,000 monthly from Kick streaming, netting roughly £2,000 after living expenses, and has deposited £6,000 into a Trading 212 Stocks and Shares ISA.
Due to recurring conflicts, Daniel refuses to move back into his mother's house and instead focuses on saving for a home deposit, securing a mortgage, and restarting regular video production while privating older content.
Themes
Repayment of approximately £19,000 owed to Daniel's mother and projected future installments.
Kick streaming income, monthly living expenses, and savings accumulation.
Investment approach using a Trading 212 Stocks and Shares ISA focused on ETFs, gold, and S&P 500 financials with daily interest on uninvested cash.
Emergency funds, credit management, and anticipated tax liabilities following previous tax penalties.
Housing plans, rental qualifications, mortgage goals, and avoidance of living with family due to domestic conflict.
Video channel strategy, including privating older uploads and producing daily content.
Developments
Daniel accumulated nearly £15,000 in penalties and overdue interest from unpaid taxes on earlier YouTube income.
Daniel moved to Manchester and stayed there in 2021 following a domestic dispute.
Daniel cleared maxed-out credit card and overdraft debts over a six-month span.
Daniel opened a Trading 212 Stocks and Shares ISA and deposited £6,000 into the account.
Daniel privated older videos on his YouTube channel.
Uncertainties & gaps
The stability and longevity of Kick streaming income and viewership levels.
Securing mortgage approval without traditional employment.
Whether the landlord will approve keeping a cat.