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Why "Being Normal" Is The Most Expensive Thing You Can Choose · Making Cents

• 0:00
  Being
• 0:00
  weird
• 0:01
  saved
• 0:01
  my
• 0:02
  finances.
• 0:02
  And
• 0:02
  being
• 0:03
  okay
• 0:03
  with
• 0:03
  being
• 0:03
  weird
• 0:04
  was
• 0:04
  the
• 0:04
  biggest
• 0:05
  thing
• 0:05
  that
• 0:06
  helped
• 0:06
  me
• 0:06
  get
• 0:06
  financial
• 0:07
  freedom.
• 0:07
  Because
• 0:08
  here's
• 0:08
  the
• 0:08
  problem.
• 0:09
  Normal
• 0:09
  will
• 0:10
  constantly
• 0:11
  pull
• 0:11
  you
• 0:11
  towards
• 0:12
  broke.
• 0:13
  There
• 0:13
  is
• 0:14
  a
• 0:14
  system
• 0:14
  set
• 0:14
  up
• 0:14
  with
• 0:15
  normal,
• 0:15
  and
• 0:15
  I'm
• 0:16
  not
• 0:16
  trying
• 0:16
  to
• 0:16
  get
• 0:16
  all
• 0:17
  conspiratorial
• 0:18
  and
• 0:18
  weird
• 0:18
  here,
• 0:19
  but
• 0:19
  we
• 0:20
  just
• 0:20
  have
• 0:20
  to
• 0:20
  look
• 0:20
  at
• 0:20
  the
• 0:21
  facts
• 0:21
  of
• 0:22
  how
• 0:22
  normal
• 0:23
  usually
• 0:23
  shakes
• 0:24
  out
• 0:24
  for
• 0:24
  people.
• 0:24
  Around
• 0:25
  30%
• 0:26
  of
• 0:26
  us
• 0:26
  in
• 0:26
  New
• 0:26
  Zealand
• 0:27
  don't
• 0:27
  have
• 0:27
  $1,000
• 0:28
  in
• 0:28
  savings.
• 0:29
  Over
• 0:30
  60%
• 0:30
  of
• 0:31
  us
• 0:31
  couldn't
• 0:32
  cover
• 0:33
  a
• 0:33
  real
• 0:33
  emergency.
• 0:34
  And
• 0:34
  yet
• 0:35
  we're
• 0:35
  constantly
• 0:36
  being
• 0:36
  advertised
• 0:37
  debt.
• 0:37
  We
• 0:38
  don't
• 0:38
  get
• 0:38
  taught
• 0:38
  about
• 0:38
  money
• 0:39
  at
• 0:39
  school.
• 0:40
  Social
• 0:40
  media
• 0:40
  is
• 0:41
  full
• 0:41
  of
• 0:41
  status
• 0:42
  symbols
• 0:42
  that
• 0:42
  will
• 0:43
  not
• 0:43
  make
• 0:43
  you
• 0:43
  happy.
• 0:44
  And
• 0:44
  to
• 0:45
  break
• 0:45
  out
• 0:45
  of
• 0:45
  that
• 0:46
  and
• 0:46
  find
• 0:47
  what
• 0:47
  actually
• 0:48
  makes
• 0:48
  you
• 0:48
  happy,
• 0:49
  you
• 0:49
  have
• 0:49
  to
• 0:50
  embrace
• 0:50
  weird
• 0:51
  a
• 0:51
  little
• 0:51
  bit.
• 0:51
  Because
• 0:52
  what
• 0:52
  nobody
• 0:52
  tells
• 0:53
  you
• 0:53
  is
• 0:54
  that
• 0:54
  knowing
• 0:55
  what
• 0:55
  to
• 0:55
  do
• 0:56
  with
• 0:56
  money
• 0:57
  is
• 0:57
  actually
• 0:57
  often
• 0:58
  the
• 0:58
  easy
• 0:58
  part.
• 0:59
  The
• 0:59
  tactics
• 0:59
  that
• 1:00
  get
• 1:00
  you
• 1:00
  ahead
• 1:00
  are
• 1:00
  pretty
• 1:01
  simple.
• 1:01
  It's
• 1:01
  a
• 1:01
  small
• 1:02
  list.
• 1:02
  It's
• 1:03
  the
• 1:03
  doing
• 1:04
  that
• 1:05
  is
• 1:05
  hard.
• 1:06
  Because
• 1:06
  to
• 1:07
  do
• 1:07
  it,
• 1:08
  you
• 1:08
  have
• 1:08
  to
• 1:08
  go
• 1:08
  against
• 1:09
  a
• 1:09
  monkey
• 1:09
  brain
• 1:10
  that
• 1:10
  is
• 1:10
  hardwired
• 1:11
  for
• 1:11
  instant
• 1:11
  gratification
• 1:12
  and
• 1:13
  a
• 1:13
  society
• 1:14
  filled
• 1:14
  with
• 1:14
  advertising
• 1:15
  that
• 1:15
  exists
• 1:16
  specifically
• 1:17
  to
• 1:18
  pick
• 1:18
  your
• 1:18
  pockets
• 1:19
  while
• 1:19
  making
• 1:20
  you
• 1:20
  feel
• 1:20
  great
• 1:20
  about
• 1:21
  that.
• 1:21
  And
• 1:21
  I
• 1:21
  broke
• 1:22
  out
• 1:22
  of
• 1:22
  that
• 1:23
  by
• 1:23
  being
• 1:23
  weird,
• 1:24
  saying
• 1:24
  no
• 1:25
  to
• 1:25
  things
• 1:25
  that
• 1:25
  my
• 1:25
  friends
• 1:26
  thought
• 1:26
  were
• 1:26
  obvious.
• 1:27
  Only
• 1:27
  buying
• 1:28
  secondhand
• 1:28
  for
• 1:29
  a
• 1:29
  straight
• 1:29
  year,
• 1:30
  moving
• 1:30
  out
• 1:31
  of
• 1:31
  a
• 1:31
  big
• 1:31
  city
• 1:32
  to
• 1:32
  a
• 1:32
  smaller
• 1:32
  one,
• 1:33
  because
• 1:33
  that
• 1:33
  actually
• 1:34
  made
• 1:34
  my
• 1:34
  life
• 1:34
  better
• 1:35
  and
• 1:36
  made
• 1:36
  it
• 1:37
  financially
• 1:37
  better
• 1:38
  at
• 1:38
  the
• 1:38
  same
• 1:38
  time.
• 1:39
  Today,
• 1:40
  we're
• 1:40
  getting
• 1:40
  into
• 1:40
  all
• 1:40
  of
• 1:41
  it.
• 1:41
  The
• 1:41
  money
• 1:41
  psychology
• 1:42
  traps
• 1:42
  that
• 1:43
  keep
• 1:43
  you
• 1:43
  stuck
• 1:43
  and
• 1:44
  how
• 1:44
  you
• 1:44
  break
• 1:44
  out
• 1:45
  of
• 1:45
  them
• 1:45
  to
• 1:45
  live
• 1:46
  the
• 1:46
  life
• 1:46
  that
• 1:46
  you
• 1:47
  actually
• 1:47
  want
• 1:48
  and
• 1:49
  what
• 1:49
  I
• 1:49
  really
• 1:49
  did
• 1:50
  in
• 1:50
  my
• 1:50
  own
• 1:50
  life
• 1:51
  to
• 1:51
  create
• 1:51
  financial
• 1:52
  freedom.
• 1:53
  So
• 1:53
  welcome
• 1:53
  to
• 1:54
  Making
• 1:54
  Sense.
• 1:54
  It's
• 1:55
  the
• 1:55
  podcast
• 1:55
  for
• 1:55
  people
• 1:56
  who
• 1:56
  want
• 1:56
  financial
• 1:56
  freedom
• 1:57
  without
• 1:57
  giving
• 1:58
  up
• 1:58
  their
• 1:58
  coffee.
• 1:59
  I'm
• 1:59
  Frances
• 2:00
  Cook,
• 2:00
  a
• 2:00
  financial
• 2:00
  journalist
• 2:01
  and
• 2:01
  fellow
• 2:01
  financial
• 2:02
  freedom
• 2:02
  seeker
• 2:03
  who
• 2:03
  makes
• 2:03
  money
• 2:03
  simple
• 2:04
  for
• 2:04
  you.
• 2:05
  I
• 2:05
  want
• 2:05
  to
• 2:05
  help
• 2:05
  as
• 2:06
  many
• 2:06
  people
• 2:06
  as
• 2:07
  possible
• 2:07
  reach
• 2:07
  financial
• 2:08
  freedom
• 2:08
  by
• 2:09
  taking
• 2:09
  control
• 2:09
  of
• 2:10
  their
• 2:10
  money.
• 2:10
  You
• 2:11
  can
• 2:11
  help
• 2:11
  me
• 2:11
  in
• 2:11
  that
• 2:12
  mission
• 2:12
  two
• 2:13
  really
• 2:13
  easy
• 2:13
  ways.
• 2:14
  First,
• 2:15
  hit
• 2:15
  subscribe
• 2:15
  wherever
• 2:16
  you
• 2:16
  like
• 2:16
  to
• 2:16
  listen.
• 2:17
  YouTube,
• 2:18
  Spotify,
• 2:18
  Apple,
• 2:19
  podcasts,
• 2:19
  or
• 2:19
  any
• 2:20
  other
• 2:20
  podcast
• 2:20
  player.
• 2:21
  Then
• 2:22
  send
• 2:22
  this
• 2:22
  episode
• 2:23
  to
• 2:23
  a
• 2:23
  friend
• 2:23
  so
• 2:23
  we
• 2:24
  can
• 2:24
  all
• 2:24
  level
• 2:24
  up
• 2:25
  together.
• 2:25
  Then
• 2:26
  the
• 2:26
  show
• 2:26
  grows
• 2:26
  and
• 2:26
  I
• 2:27
  can
• 2:27
  keep
• 2:27
  giving
• 2:27
  you
• 2:28
  the
• 2:28
  money
• 2:28
  info
• 2:29
  that
• 2:29
  makes
• 2:29
  a
• 2:29
  difference
• 2:30
  for
• 2:30
  your
• 2:30
  life.
• 2:31
  Okay,
• 2:31
  back
• 2:32
  to
• 2:32
  it.
• 2:33
  So
• 2:33
  let's
• 2:33
  start
• 2:34
  by
• 2:34
  talking
• 2:34
  about
• 2:35
  mindset,
• 2:35
  because
• 2:36
  I
• 2:36
  don't
• 2:36
  know
• 2:36
  about
• 2:36
  you,
• 2:37
  but
• 2:37
  I
• 2:37
  find
• 2:37
  it
• 2:38
  is
• 2:38
  one
• 2:38
  thing
• 2:39
  to
• 2:39
  know
• 2:39
  what
• 2:39
  I
• 2:40
  need
• 2:40
  to
• 2:40
  be
• 2:40
  doing
• 2:41
  and
• 2:41
  another
• 2:41
  thing
• 2:42
  entirely
• 2:43
  to
• 2:43
  actually
• 2:44
  do
• 2:44
  it.
• 2:45
  It
• 2:45
  might
• 2:45
  Sound
• 2:46
  too
• 2:46
  simple,
• 2:47
  but
• 2:47
  it's
• 2:47
  one
• 2:47
  of
• 2:47
  the
• 2:48
  most
• 2:48
  important
• 2:48
  parts
• 2:49
  of
• 2:49
  your
• 2:49
  journey
• 2:49
  to
• 2:49
  financial
• 2:50
  freedom.
• 2:51
  You
• 2:51
  need
• 2:51
  to
• 2:52
  know
• 2:52
  that
• 2:53
  financial
• 2:53
  freedom
• 2:54
  is
• 2:54
  achievable
• 2:55
  for
• 2:56
  you,
• 2:57
  and
• 2:57
  then
• 2:57
  you
• 2:58
  have
• 2:58
  to
• 2:58
  decide
• 2:59
  if
• 2:59
  you
• 2:59
  want
• 2:59
  it.
• 3:00
  There
• 3:01
  are
• 3:01
  all
• 3:01
  sorts
• 3:01
  of
• 3:01
  different
• 3:02
  versions
• 3:02
  of
• 3:02
  financial
• 3:02
  freedom.
• 3:03
  That's
• 3:04
  what
• 3:04
  makes
• 3:04
  this
• 3:04
  more
• 3:05
  achievable.
• 3:06
  But
• 3:06
  whatever
• 3:06
  version
• 3:07
  that
• 3:07
  you're
• 3:07
  aiming
• 3:08
  for,
• 3:09
  you
• 3:09
  are
• 3:09
  aiming
• 3:10
  for
• 3:10
  an
• 3:10
  extraordinary
• 3:11
  life.
• 3:11
  And
• 3:11
  it's
• 3:11
  one
• 3:12
  that's
• 3:12
  different
• 3:13
  from
• 3:13
  the
• 3:13
  normal
• 3:14
  path.
• 3:15
  It's
• 3:15
  one
• 3:15
  that
• 3:16
  has
• 3:16
  less
• 3:16
  stress,
• 3:17
  more
• 3:18
  stability,
• 3:18
  more
• 3:19
  safety.
• 3:20
  But
• 3:20
  if
• 3:20
  it
• 3:20
  was
• 3:20
  easy,
• 3:21
  everyone
• 3:21
  would
• 3:21
  do
• 3:21
  it.
• 3:22
  You
• 3:22
  have
• 3:22
  to
• 3:22
  be
• 3:22
  willing
• 3:23
  to
• 3:23
  give
• 3:24
  something.
• 3:25
  And
• 3:25
  that
• 3:25
  something,
• 3:26
  when
• 3:27
  I
• 3:27
  weighed
• 3:27
  it
• 3:27
  up,
• 3:28
  no
• 3:28
  brainer,
• 3:29
  so
• 3:29
  happy
• 3:30
  to
• 3:30
  do
• 3:30
  it,
• 3:30
  but
• 3:31
  you
• 3:31
  still
• 3:31
  have
• 3:31
  to
• 3:31
  give
• 3:31
  it.
• 3:32
  So
• 3:32
  I
• 3:33
  want
• 3:33
  you
• 3:33
  to
• 3:33
  think
• 3:33
  about
• 3:33
  what
• 3:33
  matters
• 3:34
  to
• 3:34
  you
• 3:35
  and
• 3:35
  what
• 3:35
  you're
• 3:36
  willing
• 3:36
  to
• 3:36
  do
• 3:36
  to
• 3:36
  get
• 3:37
  there.
• 3:38
  And
• 3:38
  it
• 3:38
  might
• 3:38
  be
• 3:39
  different
• 3:39
  from
• 3:39
  what
• 3:40
  other
• 3:40
  people
• 3:40
  do.
• 3:41
  That's
• 3:41
  okay.
• 3:42
  We're
• 3:42
  focused
• 3:43
  on
• 3:43
  your
• 3:44
  best
• 3:44
  life
• 3:44
  here.
• 3:45
  Do
• 3:45
  you
• 3:46
  want
• 3:46
  the
• 3:47
  same
• 3:47
  life
• 3:47
  as
• 3:48
  everyone
• 3:48
  else?
• 3:49
  I
• 3:49
  don't.
• 3:50
  I
• 3:50
  want
• 3:50
  freedom.
• 3:51
  I
• 3:51
  want
• 3:51
  independence.
• 3:52
  I
• 3:52
  want
• 3:52
  to
• 3:52
  be
• 3:53
  able
• 3:53
  to
• 3:53
  walk
• 3:53
  away
• 3:53
  from
• 3:54
  toxic
• 3:54
  situations
• 3:55
  and
• 3:55
  be
• 3:56
  the
• 3:56
  master
• 3:56
  of
• 3:56
  my
• 3:57
  own
• 3:57
  destiny.
• 3:58
  That's
• 3:58
  my
• 3:58
  why.
• 3:59
  It's
• 3:59
  something
• 4:00
  that
• 4:00
  not
• 4:00
  many
• 4:01
  people
• 4:01
  will
• 4:01
  achieve,
• 4:02
  but
• 4:03
  far,
• 4:03
  far
• 4:04
  more
• 4:04
  of
• 4:04
  us
• 4:05
  could
• 4:05
  have
• 4:05
  it
• 4:06
  if
• 4:06
  we
• 4:06
  were
• 4:07
  willing
• 4:07
  to
• 4:07
  shrug
• 4:08
  off
• 4:09
  normal.
• 4:10
  Normal
• 4:10
  is
• 4:12
  awful.
• 4:13
  So
• 4:13
  why
• 4:14
  does
• 4:14
  it
• 4:14
  have
• 4:15
  such
• 4:15
  a
• 4:15
  hold
• 4:16
  on
• 4:16
  us?
• 4:16
  When
• 4:17
  I
• 4:17
  focused
• 4:17
  on
• 4:18
  why
• 4:18
  I
• 4:18
  wanted
• 4:18
  financial
• 4:19
  independence
• 4:20
  and
• 4:20
  what
• 4:20
  it
• 4:21
  meant
• 4:21
  to
• 4:21
  me
• 4:22
  to
• 4:22
  know
• 4:22
  that
• 4:23
  having
• 4:23
  financial
• 4:24
  control
• 4:25
  over
• 4:25
  myself
• 4:26
  and
• 4:27
  meant
• 4:27
  that
• 4:28
  other
• 4:28
  people,
• 4:29
  they
• 4:29
  didn't
• 4:29
  have
• 4:29
  control
• 4:30
  over
• 4:30
  me,
• 4:31
  well,
• 4:31
  then
• 4:31
  my
• 4:32
  mindset
• 4:32
  meant
• 4:33
  that
• 4:33
  I
• 4:33
  didn't
• 4:34
  care,
• 4:34
  that
• 4:35
  my
• 4:35
  friends
• 4:35
  thought
• 4:35
  I
• 4:35
  was
• 4:35
  a
• 4:36
  little
• 4:36
  odd
• 4:36
  for
• 4:37
  only
• 4:37
  buying
• 4:38
  my
• 4:38
  clothes
• 4:38
  from
• 4:38
  op
• 4:39
  shops.
• 4:39
  I
• 4:40
  didn't
• 4:40
  care
• 4:40
  when
• 4:41
  people
• 4:41
  laughed
• 4:42
  and
• 4:42
  asked
• 4:42
  if
• 4:42
  I
• 4:43
  was
• 4:43
  serious.
• 4:43
  When
• 4:44
  I
• 4:44
  said
• 4:44
  I
• 4:44
  was
• 4:44
  moving
• 4:44
  to
• 4:45
  the
• 4:45
  cheaper
• 4:45
  and
• 4:46
  awesome
• 4:46
  city
• 4:47
  of
• 4:47
  Hamilton,
• 4:48
  and
• 4:48
  then
• 4:48
  when
• 4:49
  my
• 4:49
  mum
• 4:49
  was
• 4:49
  in
• 4:50
  TEU
• 4:51
  and
• 4:51
  a
• 4:52
  lot
• 4:52
  came
• 4:52
  up
• 4:53
  just
• 4:53
  down
• 4:53
  the
• 4:54
  road
• 4:54
  from
• 4:54
  her,
• 4:55
  I
• 4:55
  was
• 4:55
  able
• 4:55
  to
• 4:56
  move
• 4:56
  there
• 4:57
  and
• 4:57
  downsize
• 4:57
  my
• 4:58
  living
• 4:58
  costs
• 4:58
  even
• 4:58
  more.
• 4:59
  I've
• 5:00
  got
• 5:00
  areas
• 5:01
  of
• 5:01
  my
• 5:01
  life
• 5:02
  that
• 5:02
  are
• 5:02
  smaller
• 5:02
  and
• 5:03
  cheaper
• 5:04
  than
• 5:04
  what
• 5:04
  people
• 5:05
  expect.
• 5:05
  And
• 5:05
  they
• 5:06
  let
• 5:06
  me
• 5:06
  funnel
• 5:07
  my
• 5:07
  money
• 5:07
  and
• 5:07
  effort
• 5:08
  towards
• 5:09
  the
• 5:09
  parts
• 5:10
  of
• 5:10
  life
• 5:10
  that
• 5:11
  make
• 5:11
  a
• 5:11
  difference.
• 5:12
  I
• 5:13
  can
• 5:13
  still
• 5:13
  spend
• 5:13
  on
• 5:14
  big
• 5:14
  experiences
• 5:15
  that
• 5:15
  make
• 5:15
  me
• 5:15
  happy
• 5:16
  if
• 5:16
  I
• 5:16
  want,
• 5:16
  and
• 5:17
  I
• 5:17
  invest
• 5:18
  a
• 5:18
  lot.
• 5:19
  But
• 5:19
  many
• 5:20
  of
• 5:20
  the
• 5:20
  regular
• 5:20
  habits
• 5:21
  in
• 5:21
  my
• 5:21
  life
• 5:21
  are
• 5:22
  what
• 5:22
  other
• 5:22
  people
• 5:22
  would
• 5:23
  consider
• 5:23
  weird.
• 5:24
  And
• 5:24
  I'm
• 5:25
  fine
• 5:25
  with
• 5:25
  that
• 5:26
  because
• 5:26
  I
• 5:27
  chose
• 5:27
  my
• 5:27
  weird
• 5:28
  and
• 5:28
  it
• 5:28
  let
• 5:28
  me
• 5:29
  build
• 5:29
  something
• 5:30
  bigger.
• 5:31
  Now
• 5:31
  I'm
• 5:32
  at
• 5:32
  a
• 5:32
  point
• 5:32
  in
• 5:32
  life
• 5:32
  where
• 5:33
  the
• 5:33
  benefits
• 5:33
  of
• 5:33
  this
• 5:34
  have
• 5:34
  become
• 5:34
  kind
• 5:35
  of
• 5:35
  obvious
• 5:35
  and
• 5:36
  people
• 5:36
  often
• 5:36
  ask
• 5:37
  me
• 5:37
  for
• 5:37
  money
• 5:37
  advice,
• 5:38
  but
• 5:39
  there
• 5:39
  was
• 5:39
  a
• 5:39
  period
• 5:39
  of
• 5:40
  years
• 5:41
  where
• 5:41
  I
• 5:41
  just
• 5:41
  looked
• 5:42
  broke
• 5:42
  and
• 5:42
  weird
• 5:43
  and
• 5:43
  I
• 5:43
  had
• 5:44
  to
• 5:44
  not
• 5:44
  care
• 5:45
  about
• 5:45
  that
• 5:45
  first.
• 5:46
  I
• 5:47
  was
• 5:47
  focused
• 5:47
  on
• 5:47
  something
• 5:48
  bigger
• 5:49
  and
• 5:49
  I
• 5:49
  knew
• 5:49
  that
• 5:49
  in
• 5:50
  time
• 5:51
  my
• 5:51
  life
• 5:51
  would
• 5:51
  be
• 5:51
  proof
• 5:52
  that
• 5:52
  it
• 5:52
  was
• 5:53
  all
• 5:53
  worth
• 5:53
  it.
• 5:54
  And
• 5:54
  can
• 5:54
  I
• 5:54
  just
• 5:55
  say,
• 5:55
  I
• 5:56
  think
• 5:56
  that
• 5:56
  one
• 5:56
  of
• 5:56
  the
• 5:56
  most
• 5:57
  radical
• 5:57
  things
• 5:57
  you
• 5:58
  can
• 5:58
  do,
• 5:59
  and
• 5:59
  unfortunately
• 6:00
  this
• 6:00
  is
• 6:01
  slightly
• 6:01
  weird
• 6:01
  in
• 6:02
  our
• 6:02
  current
• 6:02
  society,
• 6:03
  is
• 6:04
  being
• 6:04
  nice
• 6:05
  to
• 6:05
  yourself
• 6:06
  as
• 6:06
  you
• 6:06
  do
• 6:06
  this.
• 6:08
  In
• 6:08
  fact,
• 6:08
  maybe
• 6:08
  this
• 6:09
  whole
• 6:09
  thing
• 6:09
  is
• 6:09
  about
• 6:10
  having
• 6:10
  confidence
• 6:11
  in
• 6:11
  yourself
• 6:12
  and
• 6:12
  loving
• 6:12
  yourself
• 6:12
  a
• 6:13
  bit
• 6:13
  more
• 6:14
  as
• 6:14
  you're
• 6:14
  making
• 6:14
  changes
• 6:15
  and
• 6:16
  deciding
• 6:16
  on
• 6:16
  your
• 6:16
  own
• 6:17
  version
• 6:17
  of
• 6:17
  weird
• 6:18
  and
• 6:18
  being
• 6:19
  ready
• 6:19
  to
• 6:20
  commit
• 6:20
  to
• 6:20
  it.
• 6:21
  It's
• 6:22
  really
• 6:22
  important
• 6:22
  to
• 6:23
  get
• 6:23
  in
• 6:23
  there
• 6:23
  in
• 6:24
  this
• 6:24
  mindset.
• 6:25
  So
• 6:25
  for
• 6:25
  those
• 6:25
  who've
• 6:25
  been
• 6:25
  around
• 6:26
  a
• 6:26
  while,
• 6:27
  you'll
• 6:27
  remember
• 6:27
  when
• 6:27
  I
• 6:28
  did
• 6:28
  my
• 6:28
  challenge
• 6:29
  of
• 6:29
  only
• 6:29
  buying
• 6:30
  secondhand
• 6:30
  clothes
• 6:30
  for
• 6:31
  a
• 6:31
  year,
• 6:31
  that
• 6:31
  was
• 6:31
  all
• 6:32
  the
• 6:32
  way
• 6:32
  back
• 6:32
  in
• 6:32
  2020.
• 6:33
  I
• 6:33
  just
• 6:33
  knew
• 6:34
  I
• 6:34
  needed
• 6:34
  to
• 6:34
  budget,
• 6:35
  and
• 6:35
  one
• 6:35
  of
• 6:36
  my
• 6:36
  biggest
• 6:36
  weaknesses
• 6:36
  was
• 6:37
  clothes.
• 6:37
  I
• 6:37
  enjoyed
• 6:38
  them.
• 6:38
  I
• 6:38
  wanted
• 6:39
  to
• 6:39
  find
• 6:39
  a
• 6:39
  way
• 6:40
  to
• 6:40
  enjoy
• 6:41
  life
• 6:41
  while
• 6:42
  staying
• 6:42
  on
• 6:42
  what
• 6:42
  was
• 6:43
  a
• 6:43
  pretty
• 6:43
  tight
• 6:43
  budget
• 6:44
  at
• 6:44
  that
• 6:44
  point.
• 6:45
  So
• 6:45
  I
• 6:45
  decided
• 6:45
  to
• 6:45
  only
• 6:46
  buy
• 6:46
  secondhand,
• 6:47
  put
• 6:48
  up
• 6:48
  a
• 6:48
  post
• 6:48
  about
• 6:48
  it
• 6:48
  on
• 6:49
  my
• 6:49
  Instagram,
• 6:49
  and
• 6:50
  then
• 6:50
  promptly
• 6:51
  got
• 6:51
  in
• 6:51
  trouble
• 6:52
  with
• 6:52
  the
• 6:52
  Herald,
• 6:53
  where
• 6:53
  I
• 6:53
  worked
• 6:53
  at
• 6:53
  the
• 6:54
  time,
• 6:54
  for
• 6:54
  not
• 6:54
  giving
• 6:55
  them
• 6:55
  the
• 6:55
  exclusive.
• 6:56
  Which
• 6:57
  was
• 6:57
  hilarious
• 6:57
  because
• 6:58
  I
• 6:58
  truly
• 6:58
  thought
• 6:58
  nobody
• 6:59
  would
• 6:59
  care.
• 7:00
  But
• 7:00
  turns
• 7:01
  out
• 7:01
  people
• 7:01
  did.
• 7:02
  So
• 7:02
  I
• 7:02
  wrote
• 7:03
  about
• 7:03
  it
• 7:03
  a
• 7:03
  few
• 7:03
  times
• 7:04
  for
• 7:04
  them,
• 7:04
  took
• 7:04
  some
• 7:05
  cute
• 7:05
  pictures
• 7:05
  of
• 7:06
  the
• 7:06
  clothes
• 7:06
  that
• 7:06
  I
• 7:06
  found,
• 7:07
  and
• 7:07
  honestly
• 7:08
  developed
• 7:09
  a
• 7:09
  serious
• 7:10
  secondhand
• 7:10
  shopping
• 7:11
  appreciation.
• 7:12
  And
• 7:12
  it's
• 7:12
  now
• 7:13
  my
• 7:13
  go
• 7:13
  to
• 7:14
  because
• 7:14
  when
• 7:14
  you
• 7:14
  shop
• 7:15
  secondhand,
• 7:16
  you
• 7:16
  get
• 7:16
  decent
• 7:17
  quality
• 7:17
  for
• 7:18
  a
• 7:18
  fraction
• 7:18
  of
• 7:18
  the
• 7:18
  price.
• 7:19
  And
• 7:19
  I
• 7:20
  don't
• 7:20
  feel
• 7:20
  like
• 7:20
  it's
• 7:20
  compromise
• 7:21
  at
• 7:22
  all.
• 7:22
  It
• 7:23
  is
• 7:23
  literally
• 7:24
  the
• 7:24
  best
• 7:24
  of
• 7:25
  both
• 7:25
  worlds,
• 7:26
  and
• 7:26
  I
• 7:26
  have
• 7:27
  built
• 7:27
  up
• 7:28
  so
• 7:28
  many
• 7:29
  little
• 7:29
  frugal
• 7:29
  habits
• 7:30
  like
• 7:30
  this
• 7:31
  by
• 7:31
  just
• 7:32
  experimenting
• 7:33
  and
• 7:34
  seeing
• 7:34
  what
• 7:34
  works
• 7:34
  in
• 7:35
  my
• 7:35
  life.
• 7:35
  And
• 7:35
  overall,
• 7:36
  my
• 7:36
  life
• 7:37
  costs
• 7:38
  just
• 7:38
  come
• 7:38
  down
• 7:38
  without
• 7:39
  the
• 7:39
  quality
• 7:40
  of
• 7:40
  life
• 7:40
  going
• 7:41
  down.
• 7:41
  But
• 7:42
  there's
• 7:42
  always
• 7:42
  someone
• 7:42
  who
• 7:42
  will
• 7:43
  judge
• 7:43
  you,
• 7:43
  whether
• 7:44
  it's
• 7:44
  that
• 7:44
  you
• 7:44
  proudly
• 7:45
  say
• 7:45
  you
• 7:46
  found
• 7:46
  something
• 7:46
  secondhand,
• 7:47
  or
• 7:48
  if
• 7:48
  you're
• 7:48
  proudly
• 7:49
  showing
• 7:49
  off
• 7:49
  some
• 7:50
  fancy
• 7:50
  bag
• 7:50
  you
• 7:51
  spent
• 7:51
  too
• 7:51
  much
• 7:51
  on.
• 7:52
  Either
• 7:52
  way,
• 7:53
  someone
• 7:53
  will
• 7:54
  judge
• 7:54
  you.
• 7:55
  So
• 7:55
  pick
• 7:55
  the
• 7:56
  one
• 7:56
  that
• 7:56
  works
• 7:56
  for
• 7:56
  you.
• 7:57
  Enjoy
• 7:57
  being
• 7:58
  weird,
• 7:59
  because
• 7:59
  someone
• 8:00
  will
• 8:00
  think
• 8:00
  you're
• 8:00
  weird
• 8:01
  whatever
• 8:02
  you
• 8:02
  do.
• 8:04
  And
• 8:04
  then
• 8:04
  there's
• 8:04
  something
• 8:04
  else
• 8:04
  we
• 8:05
  need
• 8:05
  to
• 8:05
  remember,
• 8:06
  because
• 8:06
  you
• 8:07
  need
• 8:07
  to
• 8:07
  know
• 8:08
  that
• 8:08
  as
• 8:09
  we
• 8:09
  make
• 8:09
  these
• 8:09
  changes,
• 8:10
  as
• 8:10
  you
• 8:10
  embrace
• 8:11
  your
• 8:11
  weird,
• 8:12
  you're
• 8:12
  still
• 8:13
  inevitably
• 8:14
  going
• 8:14
  to
• 8:14
  do
• 8:15
  some
• 8:15
  dumb
• 8:15
  stuff
• 8:16
  that
• 8:16
  screws
• 8:17
  you
• 8:17
  over.
• 8:18
  And
• 8:18
  from
• 8:19
  the
• 8:19
  beginning,
• 8:20
  I
• 8:20
  really
• 8:20
  need
• 8:20
  you
• 8:21
  to
• 8:21
  promise
• 8:22
  that
• 8:22
  rather
• 8:22
  than
• 8:22
  being
• 8:23
  mad
• 8:23
  at
• 8:23
  yourself
• 8:23
  for
• 8:24
  being
• 8:24
  a
• 8:24
  dummy.
• 8:25
  We
• 8:26
  just
• 8:26
  need
• 8:26
  to
• 8:26
  get
• 8:26
  to
• 8:26
  grips
• 8:27
  with
• 8:27
  our
• 8:27
  monkey
• 8:28
  brain,
• 8:28
  appreciate
• 8:29
  it,
• 8:30
  and
• 8:30
  then
• 8:30
  get
• 8:30
  it
• 8:31
  out
• 8:31
  of
• 8:31
  the
• 8:31
  driver's
• 8:32
  seat.
• 8:32
  Because
• 8:33
  there
• 8:33
  is
• 8:33
  wiring
• 8:34
  that
• 8:35
  even
• 8:35
  as
• 8:35
  you
• 8:36
  make
• 8:36
  all
• 8:37
  the
• 8:37
  good
• 8:37
  decisions
• 8:38
  for
• 8:38
  your
• 8:38
  future,
• 8:39
  the
• 8:39
  way
• 8:40
  that
• 8:40
  we
• 8:41
  work
• 8:41
  as
• 8:42
  humans
• 8:43
  will
• 8:43
  simply
• 8:44
  trip
• 8:44
  you
• 8:44
  up.
• 8:45
  And
• 8:45
  the
• 8:45
  biggest
• 8:46
  weapon
• 8:46
  in
• 8:46
  fighting
• 8:47
  back
• 8:47
  against
• 8:47
  that
• 8:47
  is
• 8:48
  just
• 8:48
  knowing
• 8:49
  about
• 8:49
  it.
• 8:50
  You
• 8:50
  know,
• 8:50
  we
• 8:50
  talk
• 8:50
  on
• 8:50
  this
• 8:51
  podcast
• 8:51
  about
• 8:52
  simple
• 8:52
  themes
• 8:53
  like
• 8:53
  increasing
• 8:54
  your
• 8:54
  income,
• 8:54
  decreasing
• 8:55
  your
• 8:55
  spending,
• 8:56
  and
• 8:56
  they're
• 8:57
  really
• 8:57
  simple
• 8:58
  ideas.
• 8:59
  But
• 8:59
  we
• 9:00
  talk
• 9:00
  about
• 9:00
  it
• 9:01
  still
• 9:02
  so
• 9:02
  much
• 9:02
  because
• 9:02
  so
• 9:03
  many
• 9:03
  of
• 9:03
  us
• 9:04
  fail
• 9:04
  at
• 9:04
  it.
• 9:05
  And
• 9:05
  we
• 9:05
  fail
• 9:06
  because
• 9:06
  it's
• 9:06
  not
• 9:07
  that
• 9:07
  easy
• 9:07
  to
• 9:07
  actually
• 9:08
  put
• 9:08
  into
• 9:08
  practice.
• 9:09
  And
• 9:10
  this
• 9:10
  is
• 9:10
  partly
• 9:10
  because
• 9:11
  the
• 9:11
  idea
• 9:12
  of
• 9:12
  budgeting
• 9:13
  has
• 9:13
  become
• 9:13
  wedded
• 9:14
  to
• 9:14
  the
• 9:15
  idea
• 9:15
  of
• 9:15
  loss,
• 9:16
  of
• 9:16
  cutting
• 9:17
  back,
• 9:17
  of
• 9:17
  giving
• 9:18
  up,
• 9:18
  of
• 9:18
  having
• 9:18
  less.
• 9:18
  Whereas
• 9:19
  actually
• 9:20
  it
• 9:20
  is
• 9:21
  giving
• 9:21
  you
• 9:21
  control
• 9:22
  over
• 9:22
  your
• 9:22
  life
• 9:24
  and
• 9:24
  making
• 9:24
  sure
• 9:24
  you
• 9:24
  are
• 9:25
  focused
• 9:25
  on
• 9:25
  what
• 9:25
  matters
• 9:26
  to
• 9:26
  you.
• 9:28
  Now,
• 9:28
  advertising
• 9:28
  will
• 9:29
  try
• 9:29
  to
• 9:29
  take
• 9:29
  advantage
• 9:30
  of
• 9:30
  this
• 9:30
  feeling.
• 9:30
  It's
• 9:31
  you've
• 9:31
  worked
• 9:32
  so
• 9:32
  hard,
• 9:32
  you
• 9:33
  deserve
• 9:33
  this.
• 9:34
  That's
• 9:34
  a
• 9:34
  really
• 9:35
  common
• 9:35
  message
• 9:36
  in
• 9:36
  ads,
• 9:36
  when
• 9:37
  actually,
• 9:37
  no,
• 9:38
  you've
• 9:38
  worked
• 9:39
  hard.
• 9:39
  So
• 9:39
  you
• 9:39
  deserve
• 9:40
  to
• 9:40
  keep
• 9:40
  that
• 9:40
  reward
• 9:40
  for
• 9:41
  yourself,
• 9:41
  not
• 9:42
  just
• 9:42
  unthinkingly
• 9:43
  hand
• 9:44
  it
• 9:44
  straight
• 9:44
  over
• 9:44
  to
• 9:44
  a
• 9:45
  company.
• 9:46
  If
• 9:46
  you
• 9:46
  do
• 9:46
  this
• 9:46
  right,
• 9:47
  embrace
• 9:48
  your
• 9:48
  weird
• 9:49
  embrace.
• 9:49
  Really
• 9:50
  think
• 9:50
  about
• 9:50
  what
• 9:50
  matters
• 9:51
  to
• 9:51
  you.
• 9:52
  You
• 9:52
  won't
• 9:52
  lose
• 9:53
  anything
• 9:53
  that
• 9:53
  you
• 9:53
  want
• 9:53
  to
• 9:54
  keep.
• 9:54
  You
• 9:55
  will
• 9:55
  decide
• 9:55
  what
• 9:55
  makes
• 9:55
  you
• 9:56
  happy,
• 9:56
  what
• 9:57
  gives
• 9:57
  your
• 9:58
  life
• 9:58
  meaning,
• 9:59
  and
• 9:59
  then
• 9:59
  you
• 10:00
  will
• 10:01
  stop
• 10:01
  all
• 10:02
  of
• 10:02
  the
• 10:02
  other
• 10:02
  meaningless
• 10:03
  nonsense
• 10:03
  from
• 10:04
  getting
• 10:04
  in
• 10:04
  the
• 10:04
  way
• 10:04
  and
• 10:04
  crowding
• 10:05
  that
• 10:05
  out.
• 10:05
  You
• 10:06
  can
• 10:06
  have
• 10:07
  anything
• 10:07
  you
• 10:07
  want
• 10:07
  in
• 10:08
  life,
• 10:08
  you
• 10:09
  just
• 10:09
  can't
• 10:10
  have
• 10:11
  everything
• 10:11
  at
• 10:12
  once.
• 10:13
  And
• 10:13
  trying
• 10:13
  to
• 10:13
  get
• 10:14
  that
• 10:14
  will
• 10:14
  doom
• 10:15
  you
• 10:15
  to
• 10:15
  failure.
• 10:16
  When
• 10:16
  you're
• 10:16
  trying
• 10:16
  to
• 10:16
  build
• 10:17
  financial
• 10:17
  independence,
• 10:18
  start
• 10:19
  investing.
• 10:19
  Build
• 10:20
  something
• 10:20
  real.
• 10:20
  It's
• 10:21
  so
• 10:21
  much
• 10:21
  easier
• 10:22
  to
• 10:22
  hit
• 10:22
  those
• 10:23
  financial
• 10:23
  goals
• 10:24
  when
• 10:24
  your
• 10:24
  expenses
• 10:25
  are
• 10:25
  lower.
• 10:26
  To
• 10:26
  start
• 10:26
  with,
• 10:27
  simplifying
• 10:27
  your
• 10:28
  life
• 10:28
  and
• 10:28
  figuring
• 10:29
  out
• 10:29
  what
• 10:29
  truly
• 10:30
  makes
• 10:30
  you
• 10:30
  happy.
• 10:31
  The
• 10:32
  best
• 10:32
  place
• 10:32
  to
• 10:32
  start.
• 10:33
  If
• 10:33
  you
• 10:33
  don't
• 10:34
  figure
• 10:34
  out
• 10:35
  what
• 10:35
  happiness
• 10:36
  looks
• 10:36
  like
• 10:37
  to
• 10:37
  you,
• 10:38
  nothing
• 10:39
  will
• 10:39
  ever
• 10:39
  be
• 10:39
  enough.
• 10:40
  You
• 10:40
  will
• 10:40
  work
• 10:40
  harder
• 10:41
  and
• 10:41
  harder
• 10:42
  at
• 10:42
  jobs
• 10:43
  you
• 10:43
  may
• 10:43
  or
• 10:43
  may
• 10:44
  not
• 10:44
  enjoy,
• 10:45
  always
• 10:45
  searching
• 10:46
  for
• 10:46
  more.
• 10:47
  If
• 10:47
  you
• 10:47
  don't
• 10:47
  stop
• 10:47
  and
• 10:47
  think
• 10:48
  about
• 10:48
  it
• 10:48
  first,
• 10:49
  you
• 10:49
  will
• 10:49
  never
• 10:50
  find
• 10:50
  that
• 10:51
  more
• 10:51
  that
• 10:52
  you're
• 10:52
  searching
• 10:52
  for.
• 10:53
  It
• 10:53
  will
• 10:53
  be
• 10:53
  like
• 10:54
  the
• 10:54
  end
• 10:54
  of
• 10:54
  the
• 10:54
  rainbow
• 10:55
  moving
• 10:55
  away
• 10:56
  from
• 10:56
  you
• 10:56
  as
• 10:57
  fast
• 10:57
  as
• 10:57
  you
• 10:57
  move
• 10:58
  towards
• 10:58
  it.
• 10:59
  So
• 11:00
  if
• 11:00
  your
• 11:01
  life
• 11:01
  costs
• 11:01
  less,
• 11:03
  you
• 11:03
  win
• 11:03
  twice.
• 11:04
  You
• 11:04
  will
• 11:04
  be
• 11:04
  able
• 11:05
  to
• 11:05
  save
• 11:05
  and
• 11:06
  invest
• 11:07
  more
• 11:07
  money
• 11:08
  towards
• 11:08
  things
• 11:09
  like
• 11:09
  financial
• 11:09
  freedom
• 11:10
  goals.
• 11:11
  You
• 11:11
  will
• 11:11
  also
• 11:11
  need
• 11:12
  less
• 11:12
  money
• 11:13
  in
• 11:13
  order
• 11:13
  to
• 11:13
  achieve
• 11:14
  financial
• 11:14
  freedom,
• 11:15
  because
• 11:15
  when
• 11:16
  your
• 11:16
  life
• 11:16
  costs
• 11:16
  less,
• 11:17
  you
• 11:17
  don't
• 11:18
  need
• 11:18
  as
• 11:18
  much
• 11:18
  money
• 11:18
  invested
• 11:19
  in
• 11:19
  order
• 11:20
  to
• 11:20
  create
• 11:21
  the
• 11:21
  income
• 11:21
  that
• 11:22
  gives
• 11:22
  you
• 11:22
  independence
• 11:23
  from
• 11:23
  others.
• 11:24
  And
• 11:24
  it
• 11:24
  also
• 11:24
  means
• 11:25
  you
• 11:25
  just
• 11:25
  stepped
• 11:26
  off
• 11:26
  the
• 11:26
  hedonic
• 11:26
  treadmill,
• 11:27
  which
• 11:27
  is
• 11:28
  such
• 11:28
  a
• 11:29
  life
• 11:29
  hack
• 11:29
  for
• 11:30
  finding
• 11:31
  actual
• 11:31
  happiness.
• 11:32
  Quick
• 11:32
  interruption
• 11:33
  to
• 11:33
  say.
• 11:33
  If
• 11:34
  you're
• 11:34
  enjoying
• 11:34
  this
• 11:34
  episode,
• 11:35
  you'll
• 11:35
  love
• 11:36
  the
• 11:36
  Market
• 11:36
  Memo,
• 11:37
  my
• 11:37
  weekly
• 11:38
  newsletter
• 11:38
  where
• 11:38
  I
• 11:38
  teach
• 11:39
  you
• 11:39
  how
• 11:39
  to
• 11:39
  actually
• 11:40
  invest.
• 11:40
  No
• 11:41
  jargon,
• 11:41
  no
• 11:42
  spreadsheets,
• 11:42
  just
• 11:43
  real
• 11:43
  talk
• 11:44
  about
• 11:44
  shares
• 11:44
  and
• 11:45
  how
• 11:45
  to
• 11:45
  make
• 11:45
  your
• 11:46
  money
• 11:46
  work
• 11:46
  for
• 11:46
  you.
• 11:47
  It's
• 11:47
  the
• 11:47
  thing
• 11:47
  I
• 11:47
  wish
• 11:48
  I'd
• 11:48
  had
• 11:48
  when
• 11:48
  I
• 11:49
  was
• 11:49
  starting
• 11:49
  out.
• 11:50
  You
• 11:50
  can
• 11:50
  sign
• 11:50
  up
• 11:50
  for
• 11:51
  free
• 11:51
  at
• 11:51
  Franciscook
• 11:52
  Co
• 11:53
  NZ
• 11:54
  Invest.
• 11:55
  That's
• 11:55
  Franciscook
• 11:56
  Co
• 11:56
  NZ
• 11:57
  Invest.
• 11:58
  But
• 11:58
  don't
• 11:58
  worry,
• 11:59
  I'll
• 11:59
  put
• 11:59
  the
• 11:59
  link
• 11:59
  in
• 12:00
  the
• 12:00
  show
• 12:00
  notes
• 12:00
  and
• 12:01
  the
• 12:01
  description
• 12:01
  of
• 12:02
  this
• 12:02
  podcast.
• 12:03
  All
• 12:03
  right,
• 12:03
  back
• 12:04
  to
• 12:04
  it.
• 12:05
  So
• 12:05
  I
• 12:05
  said
• 12:05
  before
• 12:06
  about
• 12:06
  how
• 12:06
  budgeting
• 12:07
  and
• 12:07
  cutting
• 12:07
  back
• 12:08
  makes
• 12:08
  you
• 12:08
  think
• 12:09
  about
• 12:09
  having
• 12:09
  a
• 12:09
  sad
• 12:09
  life.
• 12:10
  The
• 12:10
  psychology
• 12:11
  of
• 12:11
  this
• 12:12
  is
• 12:13
  actually
• 12:13
  the
• 12:13
  opposite.
• 12:15
  Because
• 12:15
  cutting
• 12:15
  back
• 12:16
  often
• 12:17
  gives
• 12:17
  you
• 12:17
  a
• 12:17
  happier
• 12:18
  life.
• 12:18
  And
• 12:19
  it's
• 12:19
  because
• 12:20
  of
• 12:20
  the
• 12:20
  hedonic
• 12:21
  treadmill.
• 12:22
  The
• 12:22
  hedonic
• 12:23
  treadmill
• 12:23
  is
• 12:24
  the
• 12:24
  way
• 12:24
  that
• 12:24
  you
• 12:24
  adapt
• 12:25
  to
• 12:25
  to
• 12:25
  whatever
• 12:25
  you
• 12:26
  consider
• 12:27
  normal
• 12:27
  so
• 12:28
  that
• 12:28
  it
• 12:28
  is
• 12:29
  no
• 12:29
  longer
• 12:29
  special.
• 12:30
  So
• 12:30
  if
• 12:30
  you
• 12:31
  have
• 12:31
  a
• 12:31
  big
• 12:31
  expensive
• 12:32
  house,
• 12:32
  you
• 12:33
  might
• 12:33
  enjoy
• 12:33
  it
• 12:33
  a
• 12:34
  lot
• 12:34
  for
• 12:34
  the
• 12:35
  first
• 12:35
  year.
• 12:36
  And
• 12:36
  then
• 12:36
  the
• 12:36
  excitement
• 12:37
  will
• 12:37
  fade
• 12:38
  and
• 12:38
  it
• 12:38
  will
• 12:38
  simply
• 12:38
  become
• 12:39
  your
• 12:39
  house.
• 12:40
  It
• 12:40
  will
• 12:40
  be
• 12:40
  normal
• 12:42
  background
• 12:42
  and
• 12:42
  you
• 12:43
  will
• 12:43
  want
• 12:43
  something
• 12:43
  else
• 12:44
  exciting
• 12:44
  instead.
• 12:45
  And
• 12:45
  the
• 12:45
  same
• 12:45
  goes
• 12:46
  for
• 12:46
  anything.
• 12:46
  Buying
• 12:47
  lunch
• 12:47
  every
• 12:48
  day,
• 12:48
  driving
• 12:48
  a
• 12:48
  fancy
• 12:49
  car
• 12:49
  every
• 12:49
  day,
• 12:50
  wearing
• 12:50
  designer
• 12:51
  clothes
• 12:51
  every
• 12:51
  day.
• 12:52
  The
• 12:52
  fun
• 12:52
  will
• 12:53
  wear
• 12:53
  off.
• 12:54
  Sorry.
• 12:55
  This
• 12:55
  will
• 12:55
  become
• 12:56
  normal
• 12:57
  background
• 12:57
  of
• 12:57
  your
• 12:57
  life.
• 12:58
  And
• 12:58
  then
• 12:58
  you're
• 12:59
  simply
• 12:59
  stuck
• 12:59
  with
• 13:00
  a
• 13:00
  higher
• 13:00
  cost
• 13:00
  of
• 13:00
  living
• 13:01
  that
• 13:01
  adds
• 13:02
  precisely
• 13:02
  nothing
• 13:03
  to
• 13:03
  your
• 13:04
  happiness.
• 13:04
  It's
• 13:05
  just
• 13:06
  wallpaper
• 13:07
  that
• 13:07
  you're
• 13:07
  paying
• 13:08
  for.
• 13:08
  You
• 13:08
  end
• 13:08
  up
• 13:09
  stuck
• 13:09
  on
• 13:09
  a
• 13:09
  treadmill,
• 13:10
  always
• 13:10
  needing
• 13:11
  more
• 13:11
  for
• 13:11
  that
• 13:12
  same
• 13:12
  hit.
• 13:13
  Worried
• 13:13
  about
• 13:13
  losing
• 13:14
  what
• 13:14
  you
• 13:14
  have,
• 13:15
  but
• 13:15
  also
• 13:16
  not
• 13:16
  actually
• 13:16
  enjoying
• 13:17
  it.
• 13:18
  Not
• 13:18
  fun.
• 13:19
  Look
• 13:19
  around
• 13:20
  you
• 13:20
  right
• 13:20
  now.
• 13:21
  Everything
• 13:22
  you
• 13:22
  own
• 13:23
  used
• 13:23
  to
• 13:23
  be
• 13:24
  money.
• 13:24
  And
• 13:24
  that
• 13:25
  money
• 13:25
  used
• 13:25
  to
• 13:26
  be
• 13:26
  hours
• 13:26
  of
• 13:26
  your
• 13:27
  life
• 13:27
  that
• 13:27
  you
• 13:28
  exchanged
• 13:28
  at
• 13:28
  your
• 13:28
  workplace
• 13:29
  in
• 13:29
  order
• 13:29
  to
• 13:29
  get
• 13:30
  the
• 13:30
  money.
• 13:31
  Do
• 13:31
  you
• 13:31
  remember
• 13:32
  buying
• 13:32
  all
• 13:33
  of
• 13:33
  that
• 13:33
  furniture?
• 13:34
  How
• 13:34
  happy
• 13:34
  does
• 13:35
  it
• 13:35
  make
• 13:35
  you
• 13:35
  now?
• 13:36
  How
• 13:36
  long
• 13:36
  did
• 13:37
  the
• 13:37
  happiness
• 13:37
  last
• 13:38
  if
• 13:39
  you
• 13:39
  replace
• 13:39
  it
• 13:39
  with
• 13:40
  something
• 13:40
  bigger,
• 13:40
  brighter,
• 13:41
  fancier?
• 13:42
  How
• 13:42
  long
• 13:42
  do
• 13:43
  you
• 13:43
  think
• 13:43
  that
• 13:43
  next
• 13:43
  hit
• 13:44
  of
• 13:44
  consumer
• 13:45
  happiness
• 13:45
  will
• 13:45
  last?
• 13:46
  And
• 13:46
  this
• 13:47
  is
• 13:47
  where
• 13:47
  embracing
• 13:47
  being
• 13:48
  weird
• 13:48
  works
• 13:49
  so
• 13:49
  well.
• 13:50
  Because
• 13:50
  I
• 13:50
  prefer
• 13:51
  to
• 13:51
  cheat
• 13:51
  the
• 13:51
  system
• 13:52
  by
• 13:52
  having
• 13:53
  a
• 13:53
  day
• 13:53
  to
• 13:53
  day
• 13:53
  life
• 13:54
  that's
• 13:55
  frugal.
• 13:56
  And
• 13:56
  then
• 13:56
  I
• 13:57
  have
• 13:57
  big
• 13:58
  blowout
• 13:58
  expenses
• 13:59
  like
• 13:59
  traveling
• 14:00
  to
• 14:00
  some
• 14:00
  fabulous
• 14:01
  destination
• 14:01
  I've
• 14:01
  always
• 14:02
  wanted
• 14:02
  to
• 14:02
  see
• 14:02
  or
• 14:03
  going
• 14:03
  to
• 14:03
  a
• 14:03
  stupid
• 14:04
  expensive
• 14:04
  concert
• 14:05
  that
• 14:05
  I
• 14:05
  can
• 14:05
  only
• 14:06
  afford
• 14:06
  because
• 14:06
  the
• 14:07
  rest
• 14:07
  of
• 14:07
  my
• 14:07
  life
• 14:07
  is
• 14:08
  simple.
• 14:08
  And
• 14:08
  why
• 14:08
  is
• 14:09
  that
• 14:09
  tuned
• 14:09
  system
• 14:11
  Because
• 14:11
  I've
• 14:11
  just
• 14:12
  stepped
• 14:12
  off
• 14:13
  the
• 14:13
  hedonic
• 14:13
  treadmill.
• 14:14
  You
• 14:14
  have
• 14:14
  a
• 14:15
  day
• 14:15
  to
• 14:15
  day
• 14:15
  life
• 14:15
  that
• 14:16
  is
• 14:16
  simpler
• 14:17
  because
• 14:18
  whatever
• 14:18
  your
• 14:18
  normal
• 14:19
  is
• 14:19
  will
• 14:19
  just
• 14:19
  be
• 14:20
  normal
• 14:20
  to
• 14:20
  you.
• 14:21
  It
• 14:21
  can
• 14:21
  be
• 14:21
  an
• 14:21
  expensive
• 14:22
  normal
• 14:23
  or
• 14:23
  a
• 14:23
  cheap
• 14:23
  normal
• 14:24
  and
• 14:24
  then
• 14:24
  big
• 14:25
  one
• 14:25
  off.
• 14:25
  Expenses
• 14:26
  will
• 14:27
  surprise
• 14:27
  and
• 14:27
  delight
• 14:28
  you
• 14:28
  because
• 14:28
  your
• 14:28
  brain
• 14:29
  hasn't
• 14:29
  had
• 14:29
  time
• 14:30
  to
• 14:30
  turn
• 14:30
  it
• 14:30
  into
• 14:30
  normal
• 14:31
  yet.
• 14:31
  But
• 14:32
  they're
• 14:32
  not
• 14:32
  fully
• 14:33
  hardwired
• 14:33
  into
• 14:34
  your
• 14:34
  budget.
• 14:35
  Sending
• 14:36
  you
• 14:36
  broken
• 14:37
  without
• 14:37
  even
• 14:37
  making
• 14:38
  you
• 14:38
  happy.
• 14:39
  A
• 14:39
  trip
• 14:39
  that
• 14:40
  you
• 14:40
  look
• 14:40
  forward
• 14:40
  to
• 14:40
  for
• 14:41
  six
• 14:41
  months
• 14:42
  and
• 14:42
  then
• 14:42
  enjoy
• 14:43
  so
• 14:43
  much
• 14:43
  while
• 14:44
  you're
• 14:44
  there
• 14:45
  is
• 14:45
  probably
• 14:45
  cheaper
• 14:46
  than
• 14:46
  living
• 14:46
  in
• 14:47
  a
• 14:47
  house
• 14:47
  that
• 14:47
  you
• 14:47
  can't
• 14:48
  afford
• 14:48
  and
• 14:49
  you
• 14:49
  don't
• 14:49
  even
• 14:49
  use
• 14:50
  half
• 14:50
  the
• 14:50
  rooms.
• 14:51
  You
• 14:51
  can
• 14:51
  pull
• 14:52
  back
• 14:52
  on
• 14:53
  one
• 14:53
  offs
• 14:53
  when
• 14:54
  you
• 14:54
  need
• 14:54
  to
• 14:55
  or
• 14:55
  do
• 14:55
  them
• 14:55
  in
• 14:56
  a
• 14:56
  smarter
• 14:56
  way.
• 14:56
  Organize
• 14:57
  fun
• 14:57
  life
• 14:58
  experiences
• 14:58
  that
• 14:59
  don't
• 14:59
  actually
• 14:59
  cost
• 14:59
  that
• 15:00
  much.
• 15:00
  But
• 15:01
  it's
• 15:01
  really
• 15:01
  hard
• 15:02
  to
• 15:02
  pull
• 15:03
  back
• 15:03
  on
• 15:03
  a
• 15:03
  high
• 15:03
  mortgage
• 15:04
  payment
• 15:04
  going
• 15:05
  out
• 15:05
  every
• 15:05
  month.
• 15:06
  And
• 15:07
  you
• 15:07
  will
• 15:07
  get
• 15:07
  used
• 15:08
  to
• 15:08
  that
• 15:08
  housing
• 15:08
  experience.
• 15:09
  So
• 15:10
  you're
• 15:10
  getting
• 15:10
  less
• 15:11
  from
• 15:11
  that
• 15:11
  hard
• 15:12
  coded
• 15:12
  in
• 15:12
  cost.
• 15:13
  And
• 15:13
  there
• 15:13
  is
• 15:14
  really
• 15:14
  no
• 15:14
  escaping
• 15:15
  how
• 15:15
  much
• 15:15
  we
• 15:16
  can
• 15:16
  turn
• 15:16
  expensive
• 15:17
  luxury
• 15:18
  experiences
• 15:19
  into
• 15:19
  normal.
• 15:20
  I'm
• 15:20
  sorry
• 15:20
  but
• 15:20
  literally
• 15:21
  running
• 15:22
  hot
• 15:22
  water.
• 15:23
  You
• 15:23
  get
• 15:23
  it
• 15:24
  every
• 15:24
  morning.
• 15:25
  Kings
• 15:26
  didn't
• 15:26
  have
• 15:27
  that
• 15:27
  150
• 15:28
  years
• 15:28
  ago.
• 15:29
  Almost
• 15:30
  all
• 15:30
  of
• 15:30
  human
• 15:30
  history.
• 15:31
  It's
• 15:31
  truly
• 15:31
  an
• 15:32
  insane
• 15:32
  luxury
• 15:33
  that
• 15:33
  we
• 15:33
  take
• 15:34
  for
• 15:34
  granted
• 15:35
  every
• 15:35
  day.
• 15:36
  And
• 15:36
  there
• 15:37
  will
• 15:37
  be
• 15:37
  something
• 15:37
  in
• 15:38
  your
• 15:38
  life
• 15:39
  right
• 15:39
  now
• 15:40
  that
• 15:40
  someone
• 15:40
  else
• 15:41
  would
• 15:41
  kill
• 15:41
  for
• 15:42
  that
• 15:42
  you
• 15:42
  take
• 15:42
  for
• 15:43
  granted
• 15:43
  every
• 15:44
  day.
• 15:44
  That's
• 15:44
  the
• 15:44
  hedonic
• 15:45
  treadmill
• 15:45
  for
• 15:45
  you.
• 15:46
  It's
• 15:46
  hardwired
• 15:47
  into
• 15:47
  us
• 15:48
  and
• 15:48
  we
• 15:48
  have
• 15:48
  to
• 15:48
  consciously
• 15:50
  pull
• 15:50
  it
• 15:50
  under
• 15:50
  control.
• 15:52
  And
• 15:52
  I
• 15:52
  mean
• 15:52
  look,
• 15:53
  there's
• 15:53
  a
• 15:53
  reason
• 15:54
  that
• 15:54
  we're
• 15:55
  wired
• 15:55
  this
• 15:55
  way.
• 15:55
  It's
• 15:56
  not
• 15:56
  all
• 15:57
  the
• 15:57
  fault
• 15:57
  of
• 15:57
  ads.
• 15:58
  Think
• 15:58
  about
• 15:58
  it
• 15:58
  this
• 15:59
  way.
• 15:59
  If
• 15:59
  prehistoric
• 16:00
  man
• 16:01
  chewed
• 16:01
  on
• 16:01
  a
• 16:01
  mammoth
• 16:01
  leg,
• 16:02
  sat
• 16:02
  back,
• 16:03
  felt
• 16:03
  happy
• 16:04
  with
• 16:04
  himself,
• 16:05
  never
• 16:05
  wanting
• 16:05
  for
• 16:06
  more,
• 16:06
  what
• 16:06
  would
• 16:07
  have
• 16:07
  happened?
• 16:08
  Eventually
• 16:09
  he
• 16:09
  would
• 16:10
  have
• 16:10
  been
• 16:10
  someone
• 16:10
  else's
• 16:11
  lunch.
• 16:12
  Instead
• 16:13
  he
• 16:13
  wanted
• 16:14
  fire.
• 16:14
  He
• 16:15
  found
• 16:15
  caves
• 16:15
  to
• 16:16
  shelter
• 16:16
  in.
• 16:17
  People
• 16:17
  eventually
• 16:18
  built
• 16:18
  farms,
• 16:19
  discovered
• 16:20
  electricity.
• 16:21
  We've
• 16:21
  developed
• 16:22
  to
• 16:22
  always
• 16:22
  want
• 16:23
  more
• 16:24
  and
• 16:24
  to
• 16:24
  be
• 16:24
  slightly
• 16:24
  dissatisfied
• 16:25
  with
• 16:25
  life
• 16:25
  because
• 16:26
  it
• 16:26
  pushed
• 16:26
  us
• 16:27
  to
• 16:27
  greater
• 16:27
  heights
• 16:28
  as
• 16:28
  a
• 16:28
  society.
• 16:29
  Which
• 16:30
  awesome.
• 16:31
  But
• 16:32
  as
• 16:32
  individuals
• 16:33
  in
• 16:33
  the
• 16:33
  modern
• 16:34
  world
• 16:34
  with
• 16:34
  plenty
• 16:35
  of
• 16:35
  more
• 16:36
  around
• 16:36
  us,
• 16:37
  it
• 16:37
  can
• 16:38
  ruin
• 16:38
  us.
• 16:39
  We
• 16:39
  will
• 16:39
  always
• 16:39
  want
• 16:40
  more.
• 16:41
  I
• 16:41
  want
• 16:41
  you
• 16:41
  to
• 16:42
  know
• 16:42
  that.
• 16:43
  Deepen
• 16:43
  your
• 16:43
  bones
• 16:44
  so
• 16:44
  that
• 16:44
  you
• 16:45
  can
• 16:45
  take
• 16:45
  that
• 16:45
  power
• 16:46
  back
• 16:46
  and
• 16:47
  stop
• 16:47
  reaching
• 16:47
  for
• 16:48
  something
• 16:48
  you'll
• 16:49
  never
• 16:49
  have.
• 16:50
  We
• 16:51
  have
• 16:51
  to
• 16:51
  understand
• 16:52
  the
• 16:52
  hedonic
• 16:53
  treadmill
• 16:54
  and
• 16:54
  take
• 16:54
  control
• 16:55
  of
• 16:55
  it.
• 16:56
  So
• 16:56
  I
• 16:56
  think
• 16:57
  this
• 16:57
  idea
• 16:57
  of
• 16:57
  being
• 16:58
  good
• 16:58
  with
• 16:59
  money
• 17:00
  is
• 17:00
  often
• 17:00
  actually
• 17:01
  about
• 17:02
  working
• 17:02
  out
• 17:02
  what
• 17:03
  you
• 17:03
  want
• 17:03
  from
• 17:03
  life.
• 17:05
  Most
• 17:05
  of
• 17:06
  us
• 17:06
  can
• 17:06
  have
• 17:06
  some
• 17:07
  of
• 17:07
  what
• 17:07
  we
• 17:07
  want.
• 17:08
  Very
• 17:09
  few
• 17:09
  of
• 17:09
  us
• 17:09
  can
• 17:10
  have
• 17:10
  all
• 17:11
  of
• 17:11
  what
• 17:11
  we
• 17:11
  want.
• 17:12
  And
• 17:12
  if
• 17:13
  that's
• 17:13
  the
• 17:13
  case,
• 17:14
  we
• 17:14
  need
• 17:14
  to
• 17:15
  decide
• 17:15
  what
• 17:16
  what
• 17:16
  we
• 17:16
  want
• 17:17
  out
• 17:17
  of
• 17:17
  life
• 17:17
  and
• 17:18
  then
• 17:18
  decide
• 17:19
  what
• 17:19
  we're
• 17:20
  willing
• 17:20
  to
• 17:20
  give
• 17:20
  to
• 17:21
  get
• 17:21
  that.
• 17:22
  Everything
• 17:22
  starts
• 17:22
  with
• 17:23
  the
• 17:23
  goal.
• 17:23
  That's
• 17:24
  what
• 17:24
  will
• 17:24
  motivate
• 17:25
  you
• 17:25
  to
• 17:25
  give
• 17:25
  up
• 17:26
  what
• 17:26
  you
• 17:26
  need
• 17:26
  to
• 17:27
  give
• 17:27
  up
• 17:27
  in
• 17:28
  order
• 17:28
  to
• 17:28
  get
• 17:28
  the
• 17:28
  things
• 17:29
  you
• 17:29
  actually
• 17:30
  want.
• 17:31
  And
• 17:31
  I
• 17:31
  mentioned
• 17:31
  the
• 17:31
  hedonic
• 17:32
  treadmill
• 17:32
  because
• 17:32
  interestingly,
• 17:34
  it
• 17:34
  can
• 17:34
  help
• 17:34
  you
• 17:35
  create
• 17:35
  a
• 17:35
  less
• 17:36
  expensive
• 17:36
  life
• 17:37
  on
• 17:38
  your
• 17:38
  own
• 17:38
  terms.
• 17:39
  The
• 17:39
  treadmill
• 17:39
  works
• 17:40
  both
• 17:40
  ways.
• 17:41
  Whatever
• 17:42
  you
• 17:42
  have
• 17:43
  soon
• 17:43
  becomes
• 17:44
  normal.
• 17:45
  So
• 17:45
  a
• 17:45
  big
• 17:45
  house
• 17:45
  and
• 17:46
  expensive
• 17:46
  car
• 17:46
  will
• 17:47
  soon
• 17:47
  feel
• 17:48
  normal
• 17:48
  and
• 17:48
  boring
• 17:49
  to
• 17:49
  you.
• 17:49
  But
• 17:49
  a
• 17:49
  smaller
• 17:50
  house
• 17:50
  and
• 17:51
  riding
• 17:51
  a
• 17:51
  bike
• 17:52
  will
• 17:52
  also
• 17:53
  soon
• 17:53
  be
• 17:53
  normal
• 17:54
  and
• 17:54
  not
• 17:54
  impact
• 17:55
  your
• 17:55
  day
• 17:55
  to
• 17:55
  day
• 17:56
  happiness
• 17:56
  at
• 17:57
  all.
• 17:58
  As
• 17:58
  long
• 17:58
  as
• 17:58
  your
• 17:59
  basic
• 17:59
  needs
• 17:59
  are
• 17:59
  met.
• 18:00
  A
• 18:00
  more
• 18:01
  expensive
• 18:01
  lifestyle
• 18:02
  does
• 18:02
  nothing.
• 18:03
  This
• 18:04
  is
• 18:04
  exactly
• 18:05
  why
• 18:05
  I
• 18:05
  use
• 18:05
  the
• 18:06
  hack
• 18:06
  of
• 18:06
  a
• 18:06
  cheaper
• 18:06
  daily
• 18:07
  life
• 18:07
  with
• 18:08
  bigger
• 18:08
  experiences
• 18:09
  sprinkled
• 18:10
  through
• 18:10
  it.
• 18:10
  Science
• 18:11
  baby.
• 18:11
  I'm
• 18:12
  using
• 18:12
  psychology
• 18:13
  to
• 18:13
  hack
• 18:13
  my
• 18:13
  life
• 18:13
  and
• 18:14
  it
• 18:14
  is
• 18:14
  absolutely
• 18:15
  working.
• 18:15
  When
• 18:15
  you
• 18:16
  throw
• 18:16
  the
• 18:16
  hedonic
• 18:17
  treadmill
• 18:18
  into
• 18:18
  reverse,
• 18:19
  you
• 18:20
  see
• 18:20
  that
• 18:20
  losing
• 18:21
  things
• 18:21
  temporarily
• 18:22
  will
• 18:22
  make
• 18:23
  you
• 18:23
  sad.
• 18:23
  Temporarily.
• 18:24
  But
• 18:24
  then
• 18:25
  you
• 18:25
  adapt
• 18:25
  and
• 18:26
  go
• 18:26
  back
• 18:26
  to
• 18:26
  your
• 18:26
  baseline
• 18:27
  level
• 18:27
  of
• 18:27
  happiness.
• 18:28
  You
• 18:29
  will
• 18:29
  soon
• 18:29
  adapt
• 18:30
  to
• 18:30
  living
• 18:30
  in
• 18:30
  a
• 18:30
  smaller
• 18:31
  house.
• 18:31
  You
• 18:31
  will
• 18:31
  learn
• 18:32
  where
• 18:32
  the
• 18:32
  best
• 18:33
  thrift
• 18:33
  shops
• 18:33
  are
• 18:34
  but
• 18:34
  good
• 18:34
  secondhand
• 18:35
  threads.
• 18:35
  And
• 18:36
  you
• 18:36
  will
• 18:36
  then
• 18:36
  be
• 18:37
  able
• 18:37
  to
• 18:37
  save
• 18:37
  and
• 18:38
  invest
• 18:38
  for
• 18:38
  more
• 18:39
  because
• 18:39
  your
• 18:39
  day
• 18:40
  to
• 18:40
  day
• 18:40
  costs
• 18:40
  are
• 18:40
  lower.
• 18:41
  Now
• 18:41
  I'm
• 18:41
  not
• 18:41
  suggesting
• 18:42
  that
• 18:43
  money
• 18:43
  won't
• 18:44
  make
• 18:44
  you
• 18:44
  happier.
• 18:45
  The
• 18:45
  whole
• 18:45
  reason
• 18:46
  we're
• 18:46
  doing
• 18:46
  this
• 18:46
  is
• 18:47
  because
• 18:47
  sorting
• 18:47
  out
• 18:48
  your
• 18:48
  money
• 18:48
  can
• 18:49
  give
• 18:49
  you
• 18:49
  options
• 18:49
  in
• 18:49
  life
• 18:50
  that
• 18:50
  you
• 18:51
  wouldn't
• 18:51
  otherwise
• 18:52
  have.
• 18:53
  It's
• 18:54
  just
• 18:54
  that
• 18:55
  having
• 18:55
  more
• 18:55
  money
• 18:56
  won't
• 18:57
  automatically
• 18:58
  make
• 18:59
  you
• 18:59
  happier.
• 19:00
  It's
• 19:00
  all
• 19:00
  about
• 19:00
  how
• 19:01
  you
• 19:01
  use
• 19:01
  the
• 19:01
  money
• 19:02
  and
• 19:02
  what
• 19:02
  it
• 19:02
  contributes
• 19:03
  to
• 19:04
  your
• 19:04
  life.
• 19:05
  That's
• 19:05
  why
• 19:05
  it's
• 19:06
  important
• 19:06
  that
• 19:07
  you
• 19:07
  stay
• 19:07
  conscious
• 19:08
  of
• 19:08
  what
• 19:08
  you're
• 19:08
  doing
• 19:09
  and
• 19:09
  why.
• 19:10
  So
• 19:10
  understanding
• 19:11
  the
• 19:11
  hedonic
• 19:11
  treadmill
• 19:12
  is
• 19:12
  key
• 19:12
  because
• 19:13
  the
• 19:13
  researchers
• 19:13
  who've
• 19:14
  looked
• 19:14
  into
• 19:14
  it
• 19:15
  now
• 19:15
  know
• 19:15
  exactly
• 19:16
  what
• 19:16
  we
• 19:16
  actually
• 19:17
  can
• 19:17
  buy
• 19:18
  to
• 19:19
  create
• 19:19
  happiness
• 19:20
  one
• 19:20
  off
• 19:20
  experiences
• 19:21
  so
• 19:22
  that
• 19:22
  you
• 19:22
  don't
• 19:22
  have
• 19:22
  time
• 19:23
  to
• 19:23
  treat
• 19:23
  them
• 19:23
  as
• 19:23
  normal.
• 19:24
  Buying
• 19:25
  back
• 19:25
  time,
• 19:26
  such
• 19:26
  as
• 19:27
  hiring
• 19:27
  a
• 19:27
  cleaner
• 19:28
  because
• 19:28
  you
• 19:28
  don't
• 19:29
  enjoy
• 19:29
  cleaning,
• 19:29
  who
• 19:30
  does?
• 19:30
  Giving
• 19:31
  to
• 19:31
  others.
• 19:32
  All
• 19:32
  of
• 19:32
  these
• 19:33
  are
• 19:33
  ways
• 19:33
  to
• 19:34
  spend
• 19:34
  money
• 19:35
  that
• 19:35
  often
• 19:35
  cause
• 19:36
  a
• 19:36
  lasting
• 19:37
  boost
• 19:37
  to
• 19:37
  happiness.
• 19:38
  Although
• 19:39
  it
• 19:39
  still
• 19:39
  matters
• 19:39
  how
• 19:40
  and
• 19:40
  why
• 19:41
  you
• 19:41
  do
• 19:41
  these
• 19:41
  things.
• 19:42
  But
• 19:43
  buying
• 19:43
  more
• 19:44
  stuff
• 19:45
  is
• 19:45
  what
• 19:45
  is
• 19:46
  proven
• 19:46
  to
• 19:46
  definitely
• 19:47
  not
• 19:48
  increase
• 19:48
  your
• 19:49
  happiness.
• 19:49
  So
• 19:50
  there
• 19:50
  you
• 19:50
  go.
• 19:51
  You
• 19:51
  can
• 19:51
  keep
• 19:51
  cheating
• 19:52
  the
• 19:52
  system
• 19:53
  and
• 19:53
  hacking
• 19:53
  your
• 19:54
  brain
• 19:54
  once
• 19:55
  you
• 19:55
  understand
• 19:55
  this
• 19:56
  concept.
• 19:57
  When
• 19:58
  you
• 19:58
  take
• 19:59
  part
• 19:59
  of
• 19:59
  the
• 19:59
  savings
• 20:00
  from
• 20:00
  your
• 20:01
  smaller
• 20:01
  life.
• 20:02
  And
• 20:02
  you
• 20:03
  spend
• 20:03
  them
• 20:03
  on
• 20:03
  going
• 20:03
  to
• 20:04
  Paris
• 20:04
  for
• 20:04
  three
• 20:04
  weeks,
• 20:05
  eating
• 20:05
  pastries
• 20:06
  and
• 20:06
  drinking
• 20:07
  wine
• 20:07
  and
• 20:07
  taking
• 20:07
  in
• 20:08
  the
• 20:08
  architecture.
• 20:08
  There's
• 20:09
  not
• 20:09
  enough
• 20:09
  time
• 20:10
  for
• 20:10
  the
• 20:10
  joy
• 20:10
  to
• 20:10
  wear
• 20:11
  off.
• 20:11
  Unlike
• 20:12
  the
• 20:12
  Parisians
• 20:13
  who
• 20:13
  live
• 20:13
  there,
• 20:14
  you'll
• 20:14
  be
• 20:14
  in
• 20:15
  a
• 20:15
  state
• 20:15
  of
• 20:15
  wonder
• 20:16
  and
• 20:16
  savoring
• 20:17
  every
• 20:17
  moment.
• 20:18
  And
• 20:18
  then
• 20:18
  you
• 20:18
  come
• 20:18
  home
• 20:19
  to
• 20:20
  your
• 20:20
  enjoyable,
• 20:20
  normal,
• 20:21
  cheap
• 20:22
  life
• 20:22
  to
• 20:23
  continue
• 20:23
  saving
• 20:24
  and
• 20:24
  investing,
• 20:25
  building
• 20:26
  something,
• 20:26
  always
• 20:27
  with
• 20:27
  a
• 20:27
  little
• 20:27
  bit
• 20:28
  of
• 20:28
  savings
• 20:28
  trickling
• 20:29
  into
• 20:29
  your
• 20:29
  fun
• 20:29
  account
• 20:30
  for
• 20:30
  your
• 20:30
  next
• 20:31
  big
• 20:31
  blowout.
• 20:32
  This
• 20:32
  is
• 20:32
  never
• 20:32
  about
• 20:32
  depriving
• 20:33
  yourself.
• 20:34
  I
• 20:34
  actually
• 20:35
  feel
• 20:35
  like
• 20:35
  I
• 20:35
  live
• 20:36
  a
• 20:36
  more
• 20:36
  luxe
• 20:37
  life
• 20:37
  now
• 20:38
  compared
• 20:38
  to
• 20:39
  before
• 20:39
  I
• 20:40
  started
• 20:40
  my
• 20:40
  money
• 20:40
  journey.
• 20:41
  Tricking
• 20:42
  the
• 20:42
  hedonic
• 20:43
  treadmill
• 20:43
  means
• 20:44
  you
• 20:44
  can
• 20:44
  save
• 20:45
  money
• 20:46
  without
• 20:46
  giving
• 20:46
  up
• 20:46
  the
• 20:47
  things
• 20:47
  that
• 20:47
  are
• 20:47
  important
• 20:47
  to
• 20:48
  you.
• 20:49
  This
• 20:49
  is
• 20:49
  why
• 20:49
  I
• 20:49
  say
• 20:49
  be
• 20:50
  weird.
• 20:50
  But
• 20:51
  really
• 20:51
  what
• 20:51
  I
• 20:52
  mean
• 20:52
  is
• 20:53
  have
• 20:53
  the
• 20:53
  confidence
• 20:54
  to
• 20:54
  do
• 20:55
  what
• 20:55
  matters
• 20:56
  to
• 20:56
  you
• 20:57
  instead
• 20:57
  of
• 20:57
  what
• 20:58
  matters
• 20:58
  to
• 20:59
  other
• 20:59
  people.
• 21:00
  Because
• 21:00
  dumb
• 21:00
  things
• 21:01
  sneak
• 21:01
  into
• 21:02
  our
• 21:02
  spending
• 21:02
  all
• 21:03
  the
• 21:03
  time.
• 21:03
  And
• 21:03
  a
• 21:04
  big
• 21:04
  reason
• 21:04
  for
• 21:04
  that
• 21:04
  is
• 21:05
  because
• 21:05
  we're
• 21:05
  surrounded
• 21:06
  by
• 21:06
  people
• 21:07
  making
• 21:07
  different
• 21:07
  choices
• 21:08
  from
• 21:08
  us.
• 21:09
  That's
• 21:09
  not
• 21:10
  going
• 21:10
  to
• 21:10
  change.
• 21:11
  Our
• 21:11
  wiring,
• 21:12
  which
• 21:12
  did
• 21:13
  well
• 21:13
  for
• 21:14
  thousands
• 21:14
  of
• 21:14
  years
• 21:15
  to
• 21:15
  save
• 21:16
  us
• 21:16
  from
• 21:16
  saber
• 21:16
  toothed
• 21:17
  tigers,
• 21:18
  can
• 21:18
  really
• 21:19
  hurt
• 21:19
  us
• 21:20
  when
• 21:20
  it
• 21:20
  comes
• 21:20
  to
• 21:21
  modern
• 21:21
  living.
• 21:22
  Us
• 21:22
  mammals
• 21:23
  aren't
• 21:23
  born
• 21:24
  with
• 21:24
  terrific
• 21:24
  survival
• 21:25
  skills.
• 21:26
  Instead,
• 21:27
  we're
• 21:27
  social
• 21:27
  animals
• 21:28
  who
• 21:28
  learn
• 21:29
  to
• 21:29
  do
• 21:29
  by
• 21:29
  watching
• 21:30
  others.
• 21:30
  When
• 21:31
  we
• 21:31
  see
• 21:31
  other
• 21:31
  people
• 21:32
  do
• 21:32
  something
• 21:33
  that
• 21:33
  they
• 21:33
  enjoy,
• 21:34
  we're
• 21:34
  wired
• 21:35
  to
• 21:36
  think
• 21:36
  that
• 21:36
  we
• 21:36
  will
• 21:37
  also
• 21:37
  enjoy
• 21:37
  that
• 21:38
  thing
• 21:38
  and
• 21:38
  to
• 21:39
  want
• 21:39
  it.
• 21:40
  That's
• 21:40
  why
• 21:40
  you
• 21:40
  might
• 21:40
  find
• 21:41
  yourself
• 21:41
  craving
• 21:42
  travel
• 21:42
  to
• 21:42
  exotic
• 21:43
  locations
• 21:44
  and
• 21:44
  then
• 21:45
  find
• 21:45
  it
• 21:45
  an
• 21:45
  empty,
• 21:46
  homesick
• 21:47
  experience
• 21:47
  when
• 21:47
  you
• 21:48
  get
• 21:48
  there.
• 21:48
  I
• 21:49
  mean,
• 21:49
  look,
• 21:50
  Instagram
• 21:50
  influencers
• 21:51
  have
• 21:51
  carved
• 21:51
  entire
• 21:52
  careers
• 21:52
  out
• 21:53
  of
• 21:53
  this.
• 21:54
  It's
• 21:54
  instinctive.
• 21:55
  But
• 21:56
  the
• 21:56
  good
• 21:56
  thing
• 21:56
  is,
• 21:56
  once
• 21:57
  you
• 21:57
  know
• 21:57
  it's
• 21:57
  happening,
• 21:58
  it's
• 21:59
  easier
• 21:59
  to
• 21:59
  control,
• 22:00
  save
• 22:01
  up
• 22:01
  and
• 22:01
  travel
• 22:02
  if
• 22:02
  that's
• 22:02
  what
• 22:03
  you
• 22:03
  want.
• 22:03
  But
• 22:03
  just
• 22:04
  check
• 22:04
  in
• 22:05
  with
• 22:05
  yourself
• 22:05
  first.
• 22:06
  Is
• 22:06
  it
• 22:07
  what
• 22:07
  you
• 22:07
  want?
• 22:08
  Not
• 22:08
  just
• 22:09
  what
• 22:09
  you've
• 22:09
  seen
• 22:09
  others
• 22:10
  do?
• 22:11
  Maybe
• 22:11
  test
• 22:11
  the
• 22:11
  waters
• 22:12
  first
• 22:12
  by
• 22:12
  doing
• 22:12
  a
• 22:13
  cheaper
• 22:13
  version
• 22:13
  and
• 22:13
  seeing
• 22:14
  how
• 22:14
  you
• 22:14
  feel.
• 22:15
  It
• 22:15
  doesn't
• 22:16
  even
• 22:16
  have
• 22:16
  to
• 22:16
  be
• 22:17
  things
• 22:17
  or
• 22:17
  people.
• 22:18
  This
• 22:18
  craving
• 22:19
  for
• 22:19
  what
• 22:20
  other
• 22:20
  people
• 22:20
  have
• 22:21
  can
• 22:21
  also
• 22:22
  mean
• 22:22
  wanting
• 22:22
  the
• 22:22
  respect
• 22:23
  or
• 22:23
  attention
• 22:24
  they're
• 22:24
  given.
• 22:25
  This
• 22:25
  can
• 22:25
  be
• 22:26
  another
• 22:26
  factor
• 22:26
  that
• 22:26
  keeps
• 22:27
  people
• 22:27
  in
• 22:27
  jobs
• 22:28
  that
• 22:28
  they
• 22:28
  actually
• 22:28
  hate.
• 22:29
  They
• 22:30
  can't
• 22:30
  give
• 22:30
  up
• 22:31
  the
• 22:31
  respect
• 22:31
  it
• 22:31
  affords
• 22:32
  them
• 22:33
  from
• 22:33
  people
• 22:33
  who
• 22:33
  aren't
• 22:33
  having
• 22:33
  to
• 22:34
  slog
• 22:34
  through
• 22:34
  that
• 22:34
  job
• 22:35
  every
• 22:35
  day.
• 22:36
  Or
• 22:36
  even
• 22:37
  just
• 22:37
  the
• 22:37
  respect
• 22:37
  they
• 22:38
  hope
• 22:38
  they'll
• 22:38
  get.
• 22:39
  Just
• 22:39
  like
• 22:40
  other
• 22:40
  people
• 22:40
  have
• 22:40
  before
• 22:41
  them
• 22:41
  if
• 22:41
  they
• 22:41
  stick
• 22:41
  with
• 22:42
  it
• 22:42
  long
• 22:42
  enough.
• 22:43
  Now,
• 22:43
  this
• 22:44
  is
• 22:44
  called
• 22:44
  extrinsic
• 22:45
  motivation.
• 22:46
  You're
• 22:46
  motivated
• 22:47
  by
• 22:47
  what
• 22:48
  others
• 22:48
  think
• 22:49
  and
• 22:49
  never
• 22:49
  mind
• 22:50
  how
• 22:50
  it
• 22:50
  makes
• 22:50
  you
• 22:50
  feel
• 22:51
  internally.
• 22:52
  The
• 22:52
  problem
• 22:52
  is
• 22:52
  that
• 22:52
  the
• 22:53
  more
• 22:53
  you're
• 22:53
  motivated
• 22:54
  by
• 22:54
  extrinsic
• 22:55
  factors,
• 22:56
  that's
• 22:56
  factors
• 22:56
  outside
• 22:57
  of
• 22:57
  yourself
• 22:58
  like
• 22:58
  other
• 22:58
  people's
• 22:59
  respect
• 22:59
  or
• 23:00
  status,
• 23:01
  the
• 23:01
  more
• 23:01
  likely
• 23:02
  you
• 23:02
  are
• 23:02
  to
• 23:02
  be
• 23:03
  depressed.
• 23:04
  Playing
• 23:04
  an
• 23:05
  instrument
• 23:05
  for
• 23:05
  the
• 23:05
  joy
• 23:05
  of
• 23:05
  it
• 23:06
  or
• 23:06
  the
• 23:07
  joy
• 23:07
  of
• 23:07
  becoming
• 23:08
  better
• 23:09
  will
• 23:09
  make
• 23:09
  you
• 23:09
  happy.
• 23:10
  Forcing
• 23:11
  yourself
• 23:11
  to
• 23:12
  do
• 23:12
  it
• 23:12
  because
• 23:12
  ads
• 23:13
  have
• 23:13
  told
• 23:13
  you
• 23:13
  it
• 23:13
  will
• 23:13
  bring
• 23:14
  happiness
• 23:14
  or
• 23:14
  your
• 23:15
  friends
• 23:15
  always
• 23:15
  seem
• 23:15
  to
• 23:15
  admire
• 23:16
  musicians
• 23:17
  is
• 23:17
  a
• 23:17
  recipe
• 23:18
  for
• 23:18
  disaster.
• 23:19
  I'm
• 23:19
  not
• 23:19
  kidding.
• 23:19
  It
• 23:20
  is
• 23:20
  shown
• 23:21
  to
• 23:21
  trigger
• 23:21
  depression.
• 23:22
  Doing
• 23:23
  something
• 23:23
  for
• 23:23
  external
• 23:24
  factors
• 23:24
  like
• 23:25
  this
• 23:25
  because
• 23:25
  frankly,
• 23:26
  it
• 23:26
  also
• 23:26
  often
• 23:27
  does
• 23:27
  not
• 23:27
  work.
• 23:29
  And
• 23:29
  understanding
• 23:29
  this,
• 23:30
  being
• 23:31
  ready
• 23:31
  to
• 23:31
  be
• 23:31
  clear
• 23:31
  on
• 23:32
  what
• 23:32
  does
• 23:32
  and
• 23:32
  doesn't
• 23:33
  make
• 23:33
  you
• 23:33
  happy
• 23:33
  is
• 23:33
  an
• 23:34
  amazing
• 23:35
  budgeting
• 23:35
  tool.
• 23:36
  Helps
• 23:36
  you
• 23:36
  cull
• 23:37
  what
• 23:37
  you
• 23:37
  don't
• 23:37
  care
• 23:37
  about
• 23:38
  and
• 23:38
  keep
• 23:38
  what
• 23:38
  you
• 23:39
  do.
• 23:39
  Money
• 23:39
  is
• 23:40
  nothing
• 23:40
  but
• 23:40
  a
• 23:40
  tool
• 23:41
  to
• 23:41
  make
• 23:42
  our
• 23:42
  lives
• 23:42
  happier.
• 23:43
  And
• 23:43
  the
• 23:43
  last
• 23:44
  thing
• 23:44
  I
• 23:44
  want
• 23:45
  is
• 23:45
  for
• 23:45
  you
• 23:45
  to
• 23:45
  have
• 23:45
  a
• 23:46
  killer
• 23:46
  budget.
• 23:47
  Miles
• 23:47
  of
• 23:47
  investments,
• 23:48
  the
• 23:48
  healthiest
• 23:49
  emergency
• 23:49
  fund
• 23:50
  you've
• 23:50
  ever
• 23:50
  seen,
• 23:50
  and
• 23:51
  none
• 23:51
  of
• 23:51
  the
• 23:51
  creature
• 23:52
  comforts
• 23:53
  that
• 23:53
  actually
• 23:53
  make
• 23:53
  your
• 23:54
  life
• 23:54
  sparkle.
• 23:55
  You
• 23:55
  can
• 23:55
  exchange
• 23:56
  a
• 23:56
  life
• 23:56
  of
• 23:57
  mindless
• 23:58
  consumerism
• 23:59
  for
• 23:59
  a
• 23:59
  life
• 23:59
  of
• 24:00
  mindless
• 24:00
  frugality
• 24:01
  really
• 24:01
  easily.
• 24:02
  That's
• 24:03
  not
• 24:03
  what
• 24:03
  we're
• 24:03
  trying
• 24:03
  to
• 24:03
  do
• 24:03
  here.
• 24:04
  We're
• 24:04
  trying
• 24:05
  to
• 24:05
  build
• 24:05
  a
• 24:05
  happy,
• 24:06
  secure
• 24:06
  life.
• 24:07
  We
• 24:07
  just
• 24:07
  happen
• 24:08
  to
• 24:08
  be
• 24:08
  using
• 24:08
  money
• 24:09
  to
• 24:09
  do
• 24:09
  it.
• 24:10
  Look,
• 24:10
  I
• 24:11
  buy
• 24:11
  a
• 24:11
  stupid
• 24:11
  amount
• 24:12
  of
• 24:12
  fancy
• 24:12
  cheese.
• 24:13
  I
• 24:13
  discovered
• 24:14
  one
• 24:14
  recently
• 24:14
  that
• 24:14
  has
• 24:14
  truffle
• 24:15
  oil
• 24:15
  rippled
• 24:16
  through
• 24:16
  it.
• 24:16
  You
• 24:17
  would
• 24:17
  not
• 24:17
  believe
• 24:17
  how
• 24:18
  much
• 24:18
  of
• 24:18
  that
• 24:18
  cheese
• 24:18
  I
• 24:18
  eat.
• 24:19
  Life
• 24:19
  changingly
• 24:20
  good.
• 24:20
  I'm
• 24:21
  not
• 24:21
  giving
• 24:21
  up
• 24:22
  dumb
• 24:22
  fancy
• 24:23
  cheese.
• 24:23
  It
• 24:23
  is
• 24:24
  heavenly.
• 24:24
  But
• 24:25
  at
• 24:25
  one
• 24:25
  point
• 24:25
  in
• 24:25
  my
• 24:25
  life
• 24:26
  I
• 24:26
  would
• 24:27
  happily
• 24:27
  walk
• 24:27
  to
• 24:28
  work
• 24:28
  for
• 24:28
  an
• 24:29
  hour
• 24:29
  each
• 24:29
  way,
• 24:30
  listening
• 24:30
  to
• 24:30
  my
• 24:30
  favorite
• 24:31
  podcasts
• 24:31
  and
• 24:32
  not
• 24:32
  pay
• 24:32
  for
• 24:32
  petrol.
• 24:33
  I
• 24:33
  have
• 24:33
  kids
• 24:34
  now,
• 24:34
  so
• 24:34
  I
• 24:34
  don't
• 24:35
  have
• 24:35
  quite
• 24:35
  as
• 24:35
  much
• 24:36
  time
• 24:36
  anymore.
• 24:36
  But
• 24:36
  at
• 24:36
  that
• 24:37
  point
• 24:37
  I
• 24:38
  had
• 24:38
  more
• 24:38
  time
• 24:39
  than
• 24:39
  money,
• 24:39
  so
• 24:39
  it
• 24:40
  worked
• 24:40
  out.
• 24:40
  And
• 24:41
  I'm
• 24:41
  still
• 24:41
  the
• 24:41
  queen
• 24:41
  of
• 24:42
  secondhand
• 24:42
  clothes.
• 24:43
  Secondhand
• 24:44
  anything.
• 24:44
  The
• 24:44
  circular
• 24:45
  economy.
• 24:46
  Such
• 24:46
  a
• 24:47
  life
• 24:47
  hack
• 24:47
  for
• 24:48
  getting
• 24:48
  better
• 24:48
  quality
• 24:49
  things
• 24:49
  at
• 24:49
  a
• 24:49
  better
• 24:49
  price.
• 24:50
  It's
• 24:50
  mostly
• 24:50
  about
• 24:51
  knowing
• 24:51
  yourself.
• 24:52
  What
• 24:53
  do
• 24:53
  you
• 24:53
  need?
• 24:54
  What
• 24:55
  makes
• 24:55
  you
• 24:55
  happy?
• 24:56
  What
• 24:56
  brings
• 24:57
  value
• 24:57
  to
• 24:57
  your
• 24:57
  life
• 24:58
  and
• 24:58
  what
• 24:58
  doesn't?
• 25:00
  Whatever
• 25:00
  version
• 25:00
  of
• 25:01
  financial
• 25:01
  freedom
• 25:01
  you're
• 25:02
  chasing,
• 25:03
  let's
• 25:03
  be
• 25:03
  honest,
• 25:04
  it's
• 25:04
  pretty
• 25:05
  different
• 25:06
  from
• 25:06
  the
• 25:06
  way
• 25:06
  most
• 25:07
  people
• 25:07
  live
• 25:07
  their
• 25:08
  lives.
• 25:09
  But
• 25:09
  then
• 25:10
  how
• 25:10
  do
• 25:11
  you
• 25:12
  most
• 25:12
  people
• 25:12
  live
• 25:12
  their
• 25:12
  lives?
• 25:14
  Normal
• 25:15
  is
• 25:15
  spending
• 25:16
  hours
• 25:16
  in
• 25:16
  traffic,
• 25:17
  going
• 25:17
  to
• 25:18
  work
• 25:18
  at
• 25:18
  a
• 25:18
  job
• 25:19
  that
• 25:19
  pays
• 25:20
  for
• 25:20
  that
• 25:20
  car
• 25:20
  in
• 25:20
  the
• 25:20
  petrol,
• 25:21
  which
• 25:21
  pays
• 25:22
  for
• 25:22
  the
• 25:22
  fancy
• 25:22
  work
• 25:23
  clothes
• 25:23
  which
• 25:23
  you
• 25:23
  need
• 25:23
  to
• 25:24
  work
• 25:24
  there,
• 25:25
  which
• 25:25
  also
• 25:25
  pays
• 25:25
  for
• 25:26
  the
• 25:26
  big
• 25:26
  house
• 25:26
  that
• 25:26
  you
• 25:26
  never
• 25:27
  get
• 25:27
  to
• 25:27
  spend
• 25:27
  time
• 25:27
  in
• 25:28
  because
• 25:28
  you're
• 25:28
  always
• 25:29
  at
• 25:29
  work.
• 25:31
  Normal
• 25:31
  is
• 25:32
  not
• 25:32
  having
• 25:32
  $1,000
• 25:33
  in
• 25:33
  savings
• 25:34
  to
• 25:34
  cover
• 25:34
  even
• 25:34
  a
• 25:34
  small
• 25:35
  bad
• 25:35
  event.
• 25:36
  The
• 25:36
  stats
• 25:36
  vary,
• 25:37
  but
• 25:37
  around
• 25:37
  30%
• 25:38
  of
• 25:38
  New
• 25:38
  Zealanders
• 25:39
  don't
• 25:39
  have
• 25:40
  $1,000
• 25:40
  in
• 25:41
  savings
• 25:41
  and
• 25:41
  over
• 25:42
  60%
• 25:43
  don't
• 25:43
  have
• 25:43
  $10,000
• 25:44
  on
• 25:45
  hand
• 25:45
  for
• 25:45
  a
• 25:45
  big
• 25:46
  emergency
• 25:47
  like
• 25:47
  losing
• 25:48
  the
• 25:48
  job
• 25:48
  that
• 25:48
  has
• 25:49
  you
• 25:49
  sitting
• 25:49
  in
• 25:49
  all
• 25:49
  of
• 25:50
  that
• 25:50
  traffic.
• 25:51
  Normal
• 25:52
  sucks.
• 25:53
  Changing
• 25:53
  to
• 25:54
  embrace
• 25:54
  your
• 25:54
  weird,
• 25:55
  Live
• 25:56
  life
• 25:56
  on
• 25:56
  your
• 25:56
  terms
• 25:57
  and
• 25:57
  build
• 25:57
  something
• 25:58
  real.
• 25:59
  There
• 25:59
  are
• 26:00
  hard
• 26:00
  moments
• 26:00
  in
• 26:00
  that,
• 26:01
  sure,
• 26:02
  but
• 26:03
  it
• 26:03
  doesn't
• 26:03
  suck.
• 26:04
  Not
• 26:04
  for
• 26:04
  one
• 26:05
  moment.
• 26:06
  See
• 26:06
  if
• 26:06
  you
• 26:06
  can
• 26:06
  find
• 26:06
  other
• 26:07
  ways
• 26:07
  to
• 26:07
  do
• 26:07
  the
• 26:07
  things
• 26:08
  that
• 26:08
  you're
• 26:08
  currently
• 26:08
  paying
• 26:09
  for.
• 26:09
  Do
• 26:10
  you
• 26:10
  need
• 26:10
  that
• 26:10
  gym
• 26:11
  membership
• 26:12
  or
• 26:12
  can
• 26:12
  you
• 26:12
  cancel
• 26:13
  it
• 26:13
  and
• 26:14
  do
• 26:14
  workouts
• 26:15
  using
• 26:15
  YouTube
• 26:16
  or
• 26:16
  go
• 26:16
  for
• 26:17
  a
• 26:17
  run
• 26:17
  outside?
• 26:18
  Could
• 26:19
  you
• 26:19
  start
• 26:19
  meeting
• 26:19
  friends
• 26:20
  at
• 26:20
  each
• 26:20
  other's
• 26:20
  houses?
• 26:21
  Take
• 26:21
  turns
• 26:22
  hosting
• 26:22
  potluck
• 26:23
  dinners?
• 26:24
  Could
• 26:24
  you
• 26:24
  sell
• 26:24
  your
• 26:24
  car
• 26:25
  and
• 26:25
  take
• 26:25
  public
• 26:25
  transport
• 26:26
  or
• 26:26
  walk
• 26:27
  places
• 26:27
  instead?
• 26:28
  Look
• 26:28
  at
• 26:29
  everything
• 26:29
  in
• 26:30
  your
• 26:30
  life.
• 26:31
  How
• 26:32
  can
• 26:32
  you
• 26:32
  do
• 26:32
  it
• 26:32
  for
• 26:32
  free?
• 26:33
  Or
• 26:34
  at
• 26:34
  least
• 26:34
  cheaper?
• 26:35
  Doesn't
• 26:36
  have
• 26:36
  to
• 26:36
  be
• 26:36
  forever.
• 26:37
  You
• 26:37
  can
• 26:37
  do
• 26:37
  sprints,
• 26:38
  cutting
• 26:39
  back
• 26:39
  to
• 26:39
  bare
• 26:40
  minimum
• 26:40
  for
• 26:40
  a
• 26:40
  week
• 26:41
  to
• 26:41
  see
• 26:41
  what
• 26:41
  you
• 26:41
  miss.
• 26:42
  If
• 26:43
  you
• 26:43
  can
• 26:43
  live
• 26:43
  really
• 26:44
  frugally
• 26:44
  for
• 26:45
  even
• 26:45
  a
• 26:45
  year
• 26:45
  or
• 26:46
  two,
• 26:46
  you'll
• 26:47
  set
• 26:47
  yourself
• 26:47
  up
• 26:48
  with
• 26:48
  the
• 26:48
  fitness
• 26:49
  to
• 26:49
  run
• 26:49
  a
• 26:50
  money
• 26:50
  marathon,
• 26:51
  even
• 26:51
  if
• 26:51
  you
• 26:52
  run
• 26:52
  it
• 26:52
  at
• 26:52
  a
• 26:52
  slower
• 26:53
  pace.
• 26:54
  Some
• 26:54
  things
• 26:55
  you
• 26:55
  won't
• 26:55
  want
• 26:55
  to
• 26:55
  bring
• 26:56
  back
• 26:56
  into
• 26:56
  your
• 26:56
  life.
• 26:57
  Great,
• 26:58
  now
• 26:58
  your
• 26:58
  life
• 26:59
  is
• 26:59
  cheaper.
• 27:00
  Some
• 27:00
  things
• 27:00
  you
• 27:00
  will
• 27:01
  want
• 27:01
  to
• 27:01
  bring
• 27:01
  back
• 27:01
  because
• 27:02
  you've
• 27:02
  worked
• 27:02
  out
• 27:02
  their
• 27:02
  things
• 27:03
  that
• 27:03
  you
• 27:03
  actually
• 27:03
  truly
• 27:04
  enjoy.
• 27:05
  And
• 27:05
  you'll
• 27:05
  now
• 27:05
  be
• 27:06
  able
• 27:06
  to
• 27:06
  afford
• 27:06
  those
• 27:07
  things
• 27:08
  that
• 27:08
  you
• 27:08
  actually
• 27:08
  want
• 27:09
  because
• 27:10
  you've
• 27:10
  cut
• 27:10
  the
• 27:10
  spend,
• 27:11
  cut
• 27:11
  the
• 27:12
  debt,
• 27:12
  and
• 27:12
  built
• 27:13
  up
• 27:13
  your
• 27:13
  nest
• 27:13
  egg.
• 27:14
  I
• 27:14
  did
• 27:14
  this
• 27:15
  hardcore
• 27:15
  for
• 27:16
  only
• 27:16
  a
• 27:16
  couple
• 27:16
  of
• 27:17
  years
• 27:17
  and
• 27:17
  it
• 27:18
  entirely
• 27:19
  set
• 27:19
  me
• 27:19
  up
• 27:20
  for
• 27:20
  the
• 27:20
  financial
• 27:21
  freedom
• 27:21
  that
• 27:21
  I
• 27:21
  have
• 27:22
  now.
• 27:22
  I
• 27:22
  couldn't
• 27:23
  be
• 27:23
  here
• 27:23
  without
• 27:23
  it.
• 27:24
  Some
• 27:25
  of
• 27:25
  it
• 27:25
  I
• 27:25
  kept,
• 27:26
  some
• 27:26
  of
• 27:26
  it
• 27:26
  I
• 27:27
  haven't.
• 27:28
  As
• 27:28
  I've
• 27:29
  grown
• 27:29
  my
• 27:29
  financial
• 27:30
  freedom,
• 27:30
  I've
• 27:31
  had
• 27:31
  the
• 27:31
  ability
• 27:31
  to
• 27:32
  add
• 27:32
  some
• 27:32
  things
• 27:33
  back
• 27:33
  in
• 27:33
  that
• 27:33
  cost
• 27:34
  more
• 27:34
  but
• 27:35
  make
• 27:35
  life
• 27:35
  easier.
• 27:36
  Like
• 27:36
  a
• 27:36
  bigger
• 27:37
  car
• 27:37
  now
• 27:37
  that
• 27:38
  I
• 27:38
  have
• 27:38
  a
• 27:38
  family.
• 27:39
  But
• 27:39
  I
• 27:40
  still
• 27:40
  live
• 27:40
  in
• 27:40
  a
• 27:40
  way
• 27:41
  cheaper
• 27:41
  area
• 27:42
  and
• 27:42
  I
• 27:42
  do
• 27:42
  workouts
• 27:43
  at
• 27:43
  home
• 27:43
  from
• 27:43
  YouTube
• 27:44
  and
• 27:44
  I
• 27:45
  don't
• 27:45
  care
• 27:46
  and
• 27:46
  my
• 27:46
  life
• 27:46
  is
• 27:46
  so
• 27:46
  good
• 27:47
  for
• 27:47
  that.
• 27:47
  I
• 27:48
  built
• 27:48
  a
• 27:48
  life
• 27:49
  that
• 27:49
  is
• 27:49
  probably
• 27:50
  weird
• 27:50
  to
• 27:50
  some
• 27:50
  people
• 27:51
  and
• 27:51
  it's
• 27:52
  totally
• 27:52
  on
• 27:52
  my
• 27:52
  terms
• 27:53
  and
• 27:53
  it
• 27:54
  gave
• 27:54
  me
• 27:54
  financial
• 27:54
  freedom.
• 27:56
  Take
• 27:56
  the
• 27:57
  time
• 27:57
  to
• 27:58
  find
• 27:58
  your
• 27:58
  weird
• 27:59
  and
• 27:59
  use
• 28:00
  it
• 28:01
  to
• 28:01
  build
• 28:01
  something.
• 28:02
  Anyway,
• 28:03
  that's
• 28:04
  my
• 28:04
  rambling
• 28:04
  thoughts
• 28:04
  for
• 28:04
  today.
• 28:05
  If
• 28:05
  they
• 28:05
  helped
• 28:05
  you,
• 28:06
  send
• 28:06
  this
• 28:06
  episode
• 28:06
  to
• 28:06
  a
• 28:06
  friend
• 28:07
  so
• 28:07
  we
• 28:07
  can
• 28:07
  all
• 28:07
  level
• 28:07
  up
• 28:08
  with
• 28:08
  money
• 28:08
  together.
• 28:08
  Until
• 28:09
  next
• 28:09
  time.
• 28:09
  Have
• 28:10
  a
• 28:10
  great
• 28:10
  day.
• 28:12
  This
• 28:12
  podcast
• 28:13
  can
• 28:13
  only
• 28:13
  give
• 28:13
  you
• 28:14
  general
• 28:14
  information
• 28:14
  about
• 28:15
  how
• 28:15
  things
• 28:15
  work
• 28:16
  in
• 28:16
  most
• 28:16
  situations.
• 28:17
  It's
• 28:18
  not
• 28:18
  individual
• 28:19
  financial
• 28:19
  advice.
• 28:20
  If
• 28:20
  you're
• 28:20
  after
• 28:20
  that,
• 28:21
  a
• 28:21
  financial
• 28:21
  advisor
• 28:22
  is
• 28:22
  always
• 28:23
  the
• 28:23
  best
• 28:23
  bet.