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10 Pieces Of Advice I'd Give My 20-Year-Old Self · Making Cents

• 0:02
  Hey
• 0:02
  team,
• 0:02
  it's
• 0:03
  Frances.
• 0:04
  Look,
• 0:04
  I
• 0:04
  think
• 0:04
  we
• 0:04
  can
• 0:05
  all
• 0:05
  look
• 0:05
  back
• 0:05
  and
• 0:05
  think
• 0:06
  maybe
• 0:06
  I
• 0:07
  should
• 0:07
  have
• 0:07
  done
• 0:07
  things
• 0:08
  a
• 0:08
  little
• 0:08
  differently.
• 0:09
  In
• 0:09
  fact,
• 0:09
  my
• 0:10
  own
• 0:10
  personal
• 0:10
  motto
• 0:11
  is
• 0:11
  that
• 0:11
  if
• 0:11
  you're
• 0:12
  not
• 0:12
  embarrassed
• 0:12
  by
• 0:12
  where
• 0:12
  you
• 0:13
  were
• 0:13
  five
• 0:13
  years
• 0:13
  ago,
• 0:14
  then
• 0:14
  you
• 0:14
  haven't
• 0:15
  grown.
• 0:16
  So
• 0:16
  I
• 0:16
  had
• 0:17
  a
• 0:17
  little
• 0:17
  think
• 0:17
  about
• 0:17
  that
• 0:17
  recently
• 0:18
  and
• 0:18
  wrote
• 0:19
  a
• 0:19
  column
• 0:19
  for
• 0:20
  the
• 0:20
  One
• 0:20
  News
• 0:21
  team,
• 0:21
  all
• 0:22
  about
• 0:22
  the
• 0:22
  10
• 0:23
  priceless
• 0:23
  pieces
• 0:24
  of
• 0:24
  financial
• 0:24
  advice
• 0:25
  I'd
• 0:25
  give
• 0:26
  to
• 0:26
  my
• 0:26
  20
• 0:26
  year
• 0:26
  old
• 0:27
  self.
• 0:28
  Here
• 0:28
  it
• 0:28
  is.
• 0:34
  Everyone
• 0:34
  wants
• 0:34
  to
• 0:35
  dish
• 0:35
  advice.
• 0:36
  Very
• 0:36
  few
• 0:36
  people
• 0:37
  want
• 0:37
  to
• 0:37
  take
• 0:37
  it.
• 0:38
  In
• 0:38
  this
• 0:38
  instance,
• 0:39
  I'm
• 0:39
  going
• 0:39
  to
• 0:39
  do
• 0:40
  a
• 0:40
  bit
• 0:40
  of
• 0:40
  both.
• 0:41
  When
• 0:41
  I
• 0:41
  look
• 0:42
  back
• 0:42
  at
• 0:42
  how
• 0:42
  my
• 0:42
  money
• 0:42
  life
• 0:43
  has
• 0:43
  changed,
• 0:43
  it's
• 0:44
  night
• 0:44
  and
• 0:45
  day.
• 0:46
  20
• 0:46
  year
• 0:46
  old
• 0:46
  Frances
• 0:47
  felt
• 0:47
  broke
• 0:48
  and
• 0:48
  frankly,
• 0:49
  not
• 0:49
  in
• 0:49
  control
• 0:49
  of
• 0:50
  her
• 0:50
  cash.
• 0:51
  By
• 0:51
  seriously
• 0:52
  educating
• 0:52
  myself
• 0:53
  about
• 0:53
  my
• 0:53
  options,
• 0:54
  even
• 0:54
  getting
• 0:54
  qualified
• 0:55
  as
• 0:55
  a
• 0:55
  financial
• 0:55
  advisor,
• 0:56
  and
• 0:56
  then
• 0:57
  putting
• 0:57
  each
• 0:57
  small
• 0:58
  step
• 0:58
  into
• 0:58
  practice
• 0:59
  over
• 0:59
  the
• 0:59
  next
• 0:59
  decade,
• 1:00
  I
• 1:00
  created
• 1:01
  a
• 1:01
  very
• 1:02
  different
• 1:02
  financial
• 1:03
  life.
• 1:04
  So
• 1:04
  if
• 1:04
  I
• 1:05
  had
• 1:05
  my
• 1:05
  time
• 1:05
  over,
• 1:06
  what
• 1:06
  would
• 1:06
  I
• 1:06
  say
• 1:07
  to
• 1:07
  reassure
• 1:08
  my
• 1:08
  younger
• 1:08
  self
• 1:08
  and
• 1:09
  maybe
• 1:09
  make
• 1:10
  the
• 1:10
  path
• 1:10
  a
• 1:10
  little
• 1:10
  smoother?
• 1:11
  It's
• 1:12
  all
• 1:12
  advice
• 1:12
  that
• 1:12
  would
• 1:12
  have
• 1:13
  helped
• 1:13
  me
• 1:13
  then,
• 1:13
  but
• 1:13
  actually
• 1:14
  it's
• 1:14
  applicable
• 1:15
  to
• 1:15
  anyone
• 1:15
  at
• 1:16
  any
• 1:16
  age.
• 1:17
  Number
• 1:18
  one,
• 1:18
  your
• 1:19
  mindset
• 1:19
  matters
• 1:20
  as
• 1:20
  much
• 1:20
  as
• 1:20
  your
• 1:20
  salary.
• 1:21
  You
• 1:21
  can
• 1:22
  be
• 1:22
  on
• 1:22
  six
• 1:22
  figures
• 1:23
  and
• 1:23
  still
• 1:23
  feel
• 1:24
  broke,
• 1:25
  anxious,
• 1:25
  or
• 1:26
  like
• 1:26
  it's
• 1:26
  all
• 1:26
  about
• 1:27
  to
• 1:27
  fall
• 1:27
  apart.
• 1:28
  Or
• 1:29
  you
• 1:29
  can
• 1:29
  be
• 1:29
  earning
• 1:30
  modestly
• 1:30
  and
• 1:30
  feel
• 1:30
  calm,
• 1:31
  in
• 1:31
  control
• 1:32
  and
• 1:32
  secure.
• 1:33
  I've
• 1:34
  seen
• 1:34
  both
• 1:34
  of
• 1:35
  those
• 1:35
  situations
• 1:35
  in
• 1:36
  action
• 1:36
  plenty
• 1:37
  of
• 1:37
  times.
• 1:38
  The
• 1:38
  key
• 1:38
  is
• 1:39
  often
• 1:39
  to
• 1:39
  start
• 1:39
  with
• 1:40
  your
• 1:40
  goals
• 1:41
  rather
• 1:41
  than
• 1:41
  the
• 1:41
  dollars
• 1:42
  themselves.
• 1:43
  What
• 1:43
  do
• 1:43
  you
• 1:43
  want
• 1:44
  out
• 1:44
  of
• 1:44
  life?
• 1:45
  What
• 1:45
  makes
• 1:45
  you
• 1:45
  happy?
• 1:47
  Then
• 1:47
  you
• 1:47
  work
• 1:47
  backwards
• 1:48
  from
• 1:48
  there
• 1:48
  to
• 1:49
  decide
• 1:49
  how
• 1:49
  you
• 1:49
  can
• 1:50
  change
• 1:50
  your
• 1:50
  money
• 1:50
  and
• 1:51
  make
• 1:51
  that
• 1:51
  happen.
• 1:52
  Financial
• 1:53
  wellbeing
• 1:53
  isn't
• 1:54
  just
• 1:54
  about
• 1:55
  income.
• 1:55
  It's
• 1:56
  about
• 1:56
  your
• 1:56
  mindset,
• 1:57
  your
• 1:57
  habits,
• 1:58
  and
• 1:58
  whether
• 1:58
  your
• 1:59
  money
• 1:59
  reflects
• 2:00
  your
• 2:00
  values.
• 2:01
  Two,
• 2:02
  your
• 2:02
  career
• 2:03
  path
• 2:03
  won't
• 2:03
  be
• 2:03
  linear.
• 2:04
  And
• 2:04
  that's
• 2:05
  okay.
• 2:06
  The
• 2:06
  old
• 2:06
  world
• 2:07
  of
• 2:07
  working
• 2:07
  loyally
• 2:08
  in
• 2:08
  one
• 2:08
  job
• 2:08
  and
• 2:09
  climbing
• 2:09
  your
• 2:09
  way
• 2:09
  up
• 2:09
  the
• 2:09
  ladder
• 2:10
  is
• 2:11
  dead
• 2:11
  and
• 2:11
  gone.
• 2:12
  Which
• 2:12
  is
• 2:12
  a
• 2:12
  challenge
• 2:13
  because
• 2:13
  investing
• 2:14
  in
• 2:14
  your
• 2:14
  earning
• 2:15
  power
• 2:15
  or
• 2:16
  getting
• 2:16
  a
• 2:16
  good
• 2:16
  job
• 2:17
  used
• 2:17
  to
• 2:17
  feel
• 2:17
  like
• 2:18
  a
• 2:18
  power
• 2:18
  move
• 2:19
  that
• 2:19
  could
• 2:19
  make
• 2:19
  all
• 2:19
  the
• 2:20
  other
• 2:20
  money
• 2:20
  goals
• 2:21
  much
• 2:21
  easier.
• 2:22
  For
• 2:22
  many
• 2:23
  of
• 2:23
  us,
• 2:23
  striving
• 2:24
  for
• 2:24
  a
• 2:24
  good
• 2:24
  salary
• 2:25
  was
• 2:25
  the
• 2:26
  only
• 2:26
  aspect
• 2:26
  of
• 2:27
  the
• 2:27
  finances
• 2:27
  that
• 2:27
  we
• 2:27
  bothered
• 2:28
  with.
• 2:28
  The
• 2:29
  rest
• 2:29
  just
• 2:29
  sort
• 2:29
  of
• 2:30
  fell
• 2:30
  into
• 2:30
  place.
• 2:31
  But
• 2:32
  now
• 2:32
  you
• 2:33
  might
• 2:33
  change
• 2:33
  jobs,
• 2:34
  change
• 2:34
  industries,
• 2:35
  or
• 2:35
  take
• 2:35
  time
• 2:36
  out.
• 2:36
  The
• 2:37
  key
• 2:37
  is
• 2:38
  to
• 2:38
  build
• 2:38
  a
• 2:38
  plan
• 2:39
  that
• 2:39
  includes
• 2:40
  these
• 2:40
  possibilities.
• 2:41
  The
• 2:42
  best
• 2:42
  thing
• 2:42
  you
• 2:42
  can
• 2:42
  do
• 2:43
  is
• 2:43
  keep
• 2:43
  learning.
• 2:44
  So
• 2:44
  stay
• 2:44
  adaptable
• 2:45
  and
• 2:45
  make
• 2:46
  sure
• 2:46
  your
• 2:46
  financial
• 2:47
  setup
• 2:47
  can
• 2:48
  flex
• 2:48
  with
• 2:49
  you.
• 2:49
  Take
• 2:50
  any
• 2:50
  opportunity
• 2:51
  to
• 2:51
  build
• 2:51
  up
• 2:52
  high
• 2:52
  value
• 2:52
  skills,
• 2:53
  build
• 2:54
  up
• 2:54
  an
• 2:54
  emergency
• 2:55
  fund,
• 2:55
  protect
• 2:56
  your
• 2:56
  income,
• 2:57
  and
• 2:57
  back
• 2:57
  yourself
• 2:58
  when
• 2:58
  it's
• 2:59
  time
• 2:59
  to
• 2:59
  pivot.
• 3:01
  3.
• 3:01
  Don't
• 3:02
  wait
• 3:02
  to
• 3:02
  feel
• 3:03
  ready
• 3:03
  to
• 3:03
  think
• 3:04
  about
• 3:04
  money
• 3:05
  Getting
• 3:05
  started
• 3:06
  is
• 3:06
  often
• 3:07
  the
• 3:07
  hardest
• 3:07
  part.
• 3:08
  There
• 3:08
  are
• 3:09
  always
• 3:09
  a
• 3:10
  million
• 3:10
  life
• 3:11
  priorities,
• 3:12
  you,
• 3:12
  competing
• 3:12
  problems,
• 3:13
  wanting
• 3:13
  your
• 3:13
  attention,
• 3:14
  and
• 3:14
  any
• 3:15
  attempt
• 3:15
  at
• 3:15
  progress
• 3:16
  can
• 3:16
  feel
• 3:17
  like
• 3:17
  it
• 3:17
  won't
• 3:17
  be
• 3:17
  big
• 3:17
  enough.
• 3:18
  It
• 3:18
  doesn't
• 3:19
  matter.
• 3:20
  Start
• 3:20
  anyway.
• 3:21
  $5
• 3:22
  a
• 3:22
  week
• 3:22
  into
• 3:22
  an
• 3:22
  investing
• 3:23
  account.
• 3:24
  $5
• 3:24
  a
• 3:24
  week
• 3:24
  into
• 3:25
  a
• 3:25
  savings
• 3:25
  account.
• 3:26
  It's
• 3:27
  much
• 3:27
  harder
• 3:27
  to
• 3:27
  go
• 3:28
  from
• 3:28
  zero
• 3:28
  to
• 3:29
  something
• 3:29
  big
• 3:29
  than
• 3:30
  it
• 3:30
  is
• 3:30
  to
• 3:30
  gradually
• 3:31
  move
• 3:32
  those
• 3:32
  goal
• 3:32
  posts
• 3:33
  to
• 3:33
  the
• 3:33
  point
• 3:33
  where
• 3:34
  you're
• 3:34
  making
• 3:34
  a
• 3:35
  significant
• 3:35
  contribution
• 3:36
  each
• 3:36
  week
• 3:37
  to
• 3:37
  your
• 3:37
  future.
• 3:38
  Forward
• 3:39
  movement
• 3:40
  means
• 3:40
  you're
• 3:40
  more
• 3:40
  likely
• 3:41
  to
• 3:41
  gradually
• 3:41
  increase
• 3:42
  your
• 3:42
  efforts.
• 3:43
  So
• 3:43
  just
• 3:43
  start
• 3:44
  with
• 3:44
  whatever
• 3:45
  you
• 3:45
  can
• 3:45
  manage
• 3:46
  regularly
• 3:46
  and
• 3:47
  then
• 3:47
  increase
• 3:47
  it
• 3:48
  when
• 3:48
  you
• 3:48
  can.
• 3:49
  Waiting
• 3:50
  to
• 3:50
  feel
• 3:50
  rich
• 3:51
  before
• 3:51
  you
• 3:51
  start
• 3:52
  is
• 3:52
  a
• 3:52
  trap.
• 3:53
  Your
• 3:53
  idea
• 3:54
  of
• 3:54
  rich
• 3:55
  will
• 3:55
  keep
• 3:55
  changing,
• 3:56
  so
• 3:57
  start.
• 3:59
  4.
• 3:59
  Learn
• 4:00
  how
• 4:00
  to
• 4:00
  talk
• 4:00
  about
• 4:00
  money.
• 4:01
  Even
• 4:01
  if
• 4:01
  it's
• 4:01
  awkward,
• 4:02
  the
• 4:03
  sooner
• 4:03
  you
• 4:03
  get
• 4:04
  comfortable
• 4:04
  asking
• 4:04
  questions,
• 4:05
  comparing
• 4:06
  notes,
• 4:07
  and
• 4:07
  saying
• 4:07
  the
• 4:07
  numbers
• 4:08
  out
• 4:08
  loud,
• 4:09
  the
• 4:09
  better.
• 4:10
  The
• 4:10
  silence
• 4:10
  around
• 4:11
  money
• 4:11
  doesn't
• 4:11
  protect
• 4:12
  us.
• 4:12
  It
• 4:12
  keeps
• 4:13
  us
• 4:13
  stuck.
• 4:14
  I'm
• 4:14
  lucky
• 4:15
  to
• 4:15
  talk
• 4:15
  to
• 4:15
  financial
• 4:15
  experts
• 4:16
  for
• 4:16
  a
• 4:16
  job,
• 4:16
  and
• 4:17
  I've
• 4:17
  picked
• 4:17
  up
• 4:17
  some
• 4:18
  amazing
• 4:18
  tactics
• 4:19
  by
• 4:19
  doing
• 4:19
  that.
• 4:20
  But
• 4:20
  one
• 4:20
  of
• 4:21
  my
• 4:21
  favorite
• 4:21
  budgeting
• 4:22
  tactics
• 4:23
  came
• 4:23
  from
• 4:23
  a
• 4:23
  university
• 4:24
  friend.
• 4:25
  She
• 4:25
  recommended
• 4:26
  Instead
• 4:26
  of
• 4:26
  cutting
• 4:26
  back
• 4:27
  on
• 4:27
  everything
• 4:27
  at
• 4:27
  once
• 4:28
  to
• 4:28
  pick
• 4:28
  a
• 4:28
  category
• 4:29
  per
• 4:29
  month,
• 4:30
  such
• 4:30
  as
• 4:31
  socializing
• 4:32
  or
• 4:32
  new
• 4:32
  clothes,
• 4:33
  to
• 4:33
  give
• 4:33
  up
• 4:34
  entirely.
• 4:35
  It's
• 4:35
  a
• 4:35
  great
• 4:36
  hack
• 4:36
  for
• 4:36
  saving
• 4:37
  without
• 4:37
  feeling
• 4:37
  deprived.
• 4:39
  Then
• 4:39
  there's
• 4:39
  the
• 4:39
  times
• 4:40
  where
• 4:40
  I
• 4:40
  realized
• 4:40
  I
• 4:41
  was
• 4:41
  being
• 4:41
  drastically
• 4:42
  underpaid,
• 4:43
  and
• 4:43
  that
• 4:43
  came
• 4:43
  from
• 4:44
  talking
• 4:44
  to
• 4:44
  a
• 4:44
  co
• 4:44
  worker
• 4:45
  or
• 4:46
  identifying
• 4:46
  money
• 4:47
  goals
• 4:47
  that
• 4:47
  I
• 4:47
  actually
• 4:48
  wanted
• 4:48
  to
• 4:48
  work
• 4:48
  towards.
• 4:49
  And
• 4:49
  that
• 4:49
  came
• 4:50
  about
• 4:50
  just
• 4:50
  from
• 4:50
  some
• 4:50
  honest
• 4:51
  conversations
• 4:51
  with
• 4:51
  my
• 4:51
  husband.
• 4:52
  So
• 4:53
  talk
• 4:53
  to
• 4:53
  your
• 4:53
  friends.
• 4:54
  Ask
• 4:54
  how
• 4:54
  they're
• 4:55
  negotiating
• 4:55
  salaries.
• 4:56
  Swap
• 4:57
  budgeting
• 4:57
  tips.
• 4:58
  Financial
• 4:58
  literacy
• 4:59
  isn't
• 4:59
  just
• 4:59
  individual,
• 5:00
  it's
• 5:00
  social.
• 5:02
  5.
• 5:03
  The
• 5:03
  smartest
• 5:04
  thing
• 5:04
  you
• 5:04
  can
• 5:04
  do
• 5:04
  is
• 5:05
  automate.
• 5:06
  Nobody
• 5:07
  enjoys
• 5:07
  life
• 5:07
  Admin
• 5:08
  and
• 5:08
  money
• 5:08
  can
• 5:08
  be
• 5:09
  the
• 5:09
  worst
• 5:09
  version
• 5:10
  of
• 5:10
  that.
• 5:10
  I
• 5:11
  absolutely
• 5:11
  find
• 5:11
  some
• 5:12
  of
• 5:12
  the
• 5:12
  admin
• 5:12
  boring
• 5:13
  and
• 5:13
  you
• 5:14
  know
• 5:14
  we
• 5:14
  avoid
• 5:15
  it
• 5:15
  because
• 5:15
  of
• 5:15
  that.
• 5:16
  Boredom
• 5:17
  kills
• 5:17
  your
• 5:18
  motivation
• 5:18
  and
• 5:19
  gets
• 5:19
  in
• 5:19
  the
• 5:19
  way
• 5:19
  of
• 5:19
  your
• 5:20
  money
• 5:20
  goals.
• 5:21
  The
• 5:21
  problem
• 5:21
  is
• 5:22
  those
• 5:22
  money
• 5:22
  goals
• 5:23
  are
• 5:23
  what
• 5:23
  make
• 5:23
  all
• 5:24
  the
• 5:24
  other
• 5:24
  more
• 5:25
  exciting
• 5:25
  things
• 5:26
  possible.
• 5:27
  Stop
• 5:28
  telling
• 5:28
  yourself
• 5:28
  off
• 5:29
  for
• 5:29
  finding
• 5:29
  it
• 5:29
  boring
• 5:30
  and
• 5:30
  just
• 5:30
  acknowledge
• 5:31
  it.
• 5:31
  Work
• 5:32
  with
• 5:32
  it.
• 5:33
  Set
• 5:33
  up
• 5:33
  automatic
• 5:34
  transfers
• 5:35
  to
• 5:35
  savings
• 5:35
  and
• 5:35
  investments.
• 5:37
  In
• 5:37
  fact,
• 5:37
  automate
• 5:38
  absolutely
• 5:39
  anything
• 5:39
  that
• 5:39
  you
• 5:39
  can.
• 5:40
  It
• 5:40
  takes
• 5:41
  the
• 5:41
  decision
• 5:41
  making
• 5:41
  off
• 5:42
  your
• 5:42
  plate
• 5:42
  and
• 5:43
  makes
• 5:43
  progress
• 5:43
  feel
• 5:44
  effortless.
• 5:45
  I
• 5:45
  used
• 5:46
  to
• 5:46
  think
• 5:46
  I
• 5:46
  needed
• 5:46
  more
• 5:46
  willpower.
• 5:47
  Turns
• 5:48
  out
• 5:48
  I
• 5:48
  just
• 5:49
  needed
• 5:49
  fewer
• 5:49
  choices.
• 5:51
  6.
• 5:52
  Don't
• 5:52
  ignore
• 5:53
  the
• 5:53
  other
• 5:53
  boring
• 5:54
  stuff.
• 5:55
  Some
• 5:55
  of
• 5:55
  the
• 5:55
  money.
• 5:55
  Admin
• 5:56
  can't
• 5:56
  be
• 5:56
  automated,
• 5:57
  but
• 5:57
  instead
• 5:58
  needs
• 5:58
  you
• 5:58
  to
• 5:58
  sit
• 5:58
  down
• 5:58
  and
• 5:59
  make
• 5:59
  a
• 5:59
  decision.
• 6:00
  It
• 6:00
  is
• 6:00
  often
• 6:01
  one
• 6:01
  and
• 6:01
  done,
• 6:01
  but
• 6:02
  still
• 6:02
  it
• 6:02
  can
• 6:02
  feel
• 6:02
  overwhelming,
• 6:03
  so
• 6:04
  it's
• 6:04
  easy
• 6:04
  to
• 6:04
  ignore.
• 6:05
  Insurance
• 6:07
  wills,
• 6:08
  Kiwisaver
• 6:09
  forms.
• 6:09
  It's
• 6:10
  easy
• 6:10
  to
• 6:10
  let
• 6:10
  this
• 6:11
  stuff
• 6:11
  slide,
• 6:12
  but
• 6:12
  those
• 6:12
  are
• 6:12
  the
• 6:13
  guardrails
• 6:13
  that
• 6:13
  protect
• 6:14
  everything
• 6:14
  else
• 6:15
  you're
• 6:15
  building.
• 6:16
  At
• 6:16
  the
• 6:16
  very
• 6:16
  least,
• 6:17
  make
• 6:17
  sure
• 6:17
  you're
• 6:18
  in
• 6:18
  the
• 6:18
  right
• 6:18
  KiwiSaver
• 6:19
  fund.
• 6:19
  Use
• 6:20
  the
• 6:20
  Sorted
• 6:20
  Fund
• 6:21
  Finder
• 6:21
  tool
• 6:22
  to
• 6:22
  check
• 6:22
  if
• 6:22
  you
• 6:22
  should
• 6:22
  be
• 6:22
  in
• 6:23
  growth
• 6:23
  or
• 6:23
  conservative.
• 6:24
  Just
• 6:25
  by
• 6:25
  changing
• 6:25
  some
• 6:25
  settings
• 6:26
  on
• 6:26
  your
• 6:26
  kiwisaver,
• 6:27
  you
• 6:27
  can
• 6:27
  have
• 6:27
  a
• 6:27
  lot
• 6:28
  more
• 6:28
  in
• 6:28
  your
• 6:28
  pockets
• 6:28
  without
• 6:29
  saving
• 6:29
  any
• 6:30
  more
• 6:30
  of
• 6:30
  your
• 6:30
  own
• 6:31
  money.
• 6:32
  Take
• 6:32
  those
• 6:33
  easy
• 6:33
  wins.
• 6:34
  The
• 6:34
  longer
• 6:34
  you
• 6:34
  delay,
• 6:35
  the
• 6:35
  more
• 6:36
  money
• 6:36
  you
• 6:36
  could
• 6:36
  be
• 6:37
  missing
• 6:37
  out
• 6:37
  on.
• 6:39
  7.
• 6:40
  Celebrate
• 6:40
  along
• 6:41
  the
• 6:41
  way.
• 6:42
  It's
• 6:42
  easy
• 6:43
  to
• 6:43
  miss
• 6:43
  when
• 6:43
  we're
• 6:43
  making
• 6:44
  progress.
• 6:45
  Investing
• 6:45
  can
• 6:45
  feel
• 6:45
  slow.
• 6:46
  Saving
• 6:47
  can
• 6:47
  feel
• 6:47
  like
• 6:47
  missing
• 6:48
  out
• 6:48
  on
• 6:48
  things
• 6:48
  now,
• 6:49
  so
• 6:50
  you
• 6:50
  need
• 6:50
  to
• 6:50
  build
• 6:51
  in
• 6:51
  wins
• 6:52
  that
• 6:52
  remind
• 6:52
  you
• 6:53
  how
• 6:53
  much
• 6:53
  progress
• 6:54
  you're
• 6:54
  making.
• 6:55
  A
• 6:55
  night
• 6:55
  out
• 6:55
  after
• 6:56
  paying
• 6:56
  off
• 6:56
  a
• 6:56
  credit
• 6:56
  card?
• 6:57
  A
• 6:57
  treat
• 6:58
  to
• 6:58
  mark
• 6:58
  a
• 6:58
  savings
• 6:59
  milestone.
• 7:00
  Financial
• 7:00
  success
• 7:01
  shouldn't
• 7:02
  feel
• 7:02
  that
• 7:02
  punishment.
• 7:03
  Let
• 7:04
  it
• 7:04
  feel
• 7:04
  good.
• 7:05
  8.
• 7:06
  Keep
• 7:06
  showing
• 7:07
  up.
• 7:07
  Nobody
• 7:08
  is
• 7:08
  perfect.
• 7:09
  Nobody
• 7:09
  has
• 7:10
  self
• 7:10
  control.
• 7:10
  Every
• 7:11
  day
• 7:11
  of
• 7:11
  the
• 7:11
  week
• 7:12
  you
• 7:12
  will
• 7:12
  mess
• 7:12
  up.
• 7:13
  You
• 7:13
  will
• 7:14
  lose
• 7:14
  motivation.
• 7:15
  You
• 7:15
  will
• 7:16
  feel
• 7:16
  like
• 7:16
  you're
• 7:16
  going
• 7:16
  backwards.
• 7:18
  So
• 7:19
  money
• 7:19
  is
• 7:20
  an
• 7:20
  area
• 7:20
  where
• 7:20
  people
• 7:20
  tend
• 7:21
  to
• 7:21
  fall
• 7:21
  into
• 7:21
  very
• 7:22
  black
• 7:22
  and
• 7:22
  white
• 7:22
  thinking
• 7:23
  where
• 7:23
  they
• 7:24
  believe
• 7:24
  they
• 7:24
  either
• 7:24
  succeed
• 7:25
  or
• 7:26
  are
• 7:26
  an
• 7:26
  irredeemable
• 7:27
  failure.
• 7:28
  And
• 7:28
  yet
• 7:29
  we
• 7:29
  know
• 7:29
  that
• 7:30
  that's
• 7:30
  not
• 7:30
  true
• 7:31
  in
• 7:31
  other
• 7:31
  areas
• 7:31
  of
• 7:32
  life.
• 7:33
  When
• 7:33
  you
• 7:33
  fall
• 7:33
  off
• 7:33
  the
• 7:34
  wagon,
• 7:34
  shrug
• 7:35
  and
• 7:35
  get
• 7:36
  back
• 7:36
  on.
• 7:37
  When
• 7:37
  you
• 7:37
  keep
• 7:38
  showing
• 7:38
  up,
• 7:39
  that's
• 7:39
  where
• 7:39
  the
• 7:40
  real
• 7:40
  transformation
• 7:41
  happens.
• 7:42
  9.
• 7:43
  Learn
• 7:43
  your
• 7:44
  patterns.
• 7:44
  Build
• 7:44
  around
• 7:45
  them.
• 7:46
  You
• 7:46
  know
• 7:46
  when
• 7:46
  you're
• 7:47
  likely
• 7:47
  to
• 7:47
  overspend.
• 7:48
  You
• 7:48
  know
• 7:48
  which
• 7:49
  goals
• 7:49
  you
• 7:49
  abandon.
• 7:50
  Instead
• 7:50
  of
• 7:51
  pretending
• 7:51
  those
• 7:51
  habits
• 7:52
  don't
• 7:52
  exist,
• 7:53
  create
• 7:53
  systems
• 7:54
  that
• 7:54
  work
• 7:55
  with
• 7:55
  them.
• 7:56
  Use
• 7:56
  an
• 7:56
  app
• 7:57
  such
• 7:57
  as
• 7:57
  Acorns,
• 7:58
  which
• 7:58
  rounds
• 7:58
  up
• 7:58
  your
• 7:59
  change
• 7:59
  on
• 7:59
  any
• 7:59
  transaction
• 8:00
  to
• 8:00
  the
• 8:00
  nearest
• 8:00
  dollar
• 8:01
  and
• 8:01
  invests
• 8:02
  it
• 8:02
  for
• 8:02
  you.
• 8:03
  Put
• 8:03
  a
• 8:03
  savings
• 8:04
  lock
• 8:04
  on
• 8:04
  the
• 8:04
  account
• 8:05
  that
• 8:05
  you
• 8:05
  dip
• 8:05
  into
• 8:05
  too
• 8:06
  easily,
• 8:07
  or
• 8:07
  put
• 8:07
  your
• 8:07
  savings
• 8:07
  with
• 8:08
  a
• 8:08
  different
• 8:08
  bank
• 8:09
  so
• 8:09
  that
• 8:09
  you
• 8:09
  don't
• 8:09
  see
• 8:09
  them
• 8:10
  and
• 8:10
  feel
• 8:10
  tempted.
• 8:11
  The
• 8:11
  Internet
• 8:12
  is
• 8:12
  full
• 8:12
  of
• 8:13
  money
• 8:13
  mindset
• 8:14
  hacks,
• 8:15
  so
• 8:15
  trick
• 8:15
  yourself
• 8:16
  in
• 8:16
  a
• 8:16
  good
• 8:17
  way.
• 8:18
  10
• 8:18
  money
• 8:19
  isn't
• 8:19
  everything,
• 8:20
  but
• 8:20
  it
• 8:21
  touches
• 8:21
  everything.
• 8:22
  The
• 8:23
  way
• 8:23
  we
• 8:23
  talk
• 8:23
  about
• 8:23
  money
• 8:24
  can
• 8:24
  be
• 8:25
  extreme.
• 8:26
  Either
• 8:26
  it's
• 8:26
  the
• 8:26
  root
• 8:27
  of
• 8:27
  all
• 8:27
  evil
• 8:27
  or
• 8:27
  it's
• 8:28
  the
• 8:28
  ultimate
• 8:28
  goal.
• 8:29
  But
• 8:29
  the
• 8:29
  truth
• 8:29
  is
• 8:30
  money
• 8:30
  is
• 8:30
  just
• 8:31
  a
• 8:31
  tool.
• 8:31
  It
• 8:32
  buys
• 8:32
  options.
• 8:33
  It
• 8:33
  buys
• 8:34
  time.
• 8:34
  It
• 8:35
  lets
• 8:35
  you
• 8:35
  say
• 8:35
  no.
• 8:36
  So
• 8:37
  learn
• 8:37
  to
• 8:37
  use
• 8:37
  it
• 8:38
  and
• 8:38
  you
• 8:38
  gain
• 8:39
  power
• 8:39
  over
• 8:39
  your
• 8:40
  life.
• 8:41
  If
• 8:41
  this
• 8:41
  episode
• 8:42
  was
• 8:42
  helpful
• 8:42
  to
• 8:42
  you,
• 8:42
  Send
• 8:42
  it
• 8:42
  to
• 8:43
  a
• 8:43
  friend
• 8:43
  so
• 8:43
  we
• 8:43
  can
• 8:43
  all
• 8:44
  level
• 8:44
  up
• 8:44
  our
• 8:44
  money
• 8:44
  together.
• 8:45
  Until
• 8:45
  next
• 8:45
  time,
• 8:46
  have
• 8:46
  a
• 8:46
  great
• 8:46
  day.
• 8:47
  This
• 8:48
  podcast
• 8:48
  can
• 8:48
  only
• 8:49
  give
• 8:49
  you
• 8:49
  general
• 8:49
  information
• 8:50
  about
• 8:50
  how
• 8:51
  things
• 8:51
  work
• 8:51
  in
• 8:51
  most
• 8:52
  situations.
• 8:53
  It's
• 8:53
  not
• 8:53
  individual
• 8:54
  financial
• 8:54
  advice.
• 8:55
  If
• 8:55
  you're
• 8:56
  after
• 8:56
  that,
• 8:56
  a
• 8:56
  financial
• 8:57
  advisor
• 8:57
  is
• 8:58
  always
• 8:58
  the
• 8:58
  best
• 8:59
  bet.