부자의 습관

내가 인생을 살아가면서 배운 한 가지를 말해 줄게 중요한 건 당신이 얼마나 버는지 아니라 얼마나 잘 활용하는지가 중요하다 훌륭한 연봉을 받는 사람들도 여전히 가난한 삶을 살고 반면에 적은 수입을 받는 사람들은 진정한 불을 축적하기도 한다 왜 그런 걸까 돈에는 간단한 법칙이 있어 당신이 돈을 다스리거나 아니면 돈이 당신을 다스린다은 람들이 지르는 가지 한 실수에 대해 이야기해보자 그래서이 대화는 당신의 삶을 바꿀 수 있는 재정적 변화를 시작할 수 있는 기회가 될 거야 첫 번째 실수는 자기의 자입니다 제가 생각하기에 인생에서 가장 큰 도전 중 하나는 바로 자기 자신의 자기의 자를 다스리는 것입니다 이건 많은 사람들을 무너뜨린 장이지만 에기의를 다스릴는 사람에는 합니다 왜하면 자기의 자를 제어할 수 있을 때 우리는 다른 사람을 만족시키기 위해 사는 것이 아니라 자기 자신을 위해 사는 법을 배우게 되기 때문입니다 그리고 그것이 모든 것을 변화시킵니다 생각해봐 얼마나 자주 내가 필요 없는 것을 사기 위해 혹은 다른 사람에게

 

 

 

잘보이기 위해 돈을 쓴 사람을 봤어 또는 마나 자주 주 사람들이 다가지고 있기 때문에 는 압박을 꼈던 적이 있어 자는 우리를 그렇게 만든다 자는 가면을 씌우고 그 가면은 유지하기 매우 비쌌다 자를 내려놓는 법을 배우면 외부에 인정 없이도 스스로를 잘 느낄 수 있다는 걸 깨닫게 된다 그때부터 진짜 중요한 것들에 집중하게 된다 당신의 평화 목표 자유 그리고 이런 식으로 살 때 무엇이 일어나는지 알아 압박감이 사라진다 이상 무엇인가를 보여주기 위해 에너지를 쓰지 않고 진짜 원하는 것을 얻기 위해 에너지를 쓴다 매번 재정적 결정을 내릴 때 무엇을 사든 투자하 소비하던 스스로에게 물어봐 나는 나를 위해 이걸 하는 건가 아니면 누군가를 인상 지으려고 하는 건가 솔직하게 말해봐 만약 대답이 남을 위해서라면 멈추고 생각해 봐 정말 필요한 걸까이 외모를 유지하기 위해 무엇을 희생하고 있는 걸까 왜냐하면 남들에게 어떤 모습을 보여주려는 압박감 없이 사는 것이 진정한 부위기 때문이다 이제 또 다른 흔한 실수에 대해 말해볼게 큰 구매를

 

 

하기 전에 가격을 비교하지 않는거다 나는 항상 이렇게 말한다 가격은 당신이 지불하는 것이고 가치는 당신이 받는 것이다 많은 사람들이 깊이 생각하지 않고 물건을 산다 아마도 방금 본 자의 영향을 받았을 수도 있다 그들은 할인 행사나 첫 번째로 보이는 옵션을 고르고 그것이 좋은 거래라고 생각한다 하지만 실제로는 편리함을 위해 비싼 값을 치르고 있는 셈이다 잘 들으세요 습관의 사슬은 너무 가벼워서 느껴지지 않지만 그것이 너무 무겁게 되어 부서지지 않게 된다 그리고 이것은 내가 많은 사람들이 깨닫지 못한 채 저지르는 세 번째 실수와 바로 연결됩니다 사용하지 않는 것에 계속 돈을 지불하는 것입니다 당신이 언제 마지막으로 사용했는지 기억도 나지 않는 서비스 구독을 생각해 보세요 얼마나 많은 사람들이 스트리밍 서비스나 앱의 월 구독료를 계속 지불하고 그 서비스들을 잊어버린 채 메달 카드에 요금이 쌓여 가고 있을까요 자잘한 것들에 낭비된 돈은 시간이 지나면서 집 전체를 침수시킨 수 있는 물방울처럼 되죠 이런 상황은

 

 

당신이 돈이 어디로 가고 있는지 평가하지 않을 때 발생합니다 그리고 여기서네 번째 실수가 드러납니다 예산이 없고 지출을 통제하지 않는 것입니다 아마 이것이 가장 위험한 실수일 겁니다 왜냐하면 마치 연료를 보지 않고 자동차를 운전하는 것과 같기 때문입니다 멀리 갈 수는 있지만 결국 연료가 떨어지게 되고 그때는 어떻게 하죠 대부분의 사람들은 매달 얼마나 들어오고 나가는지 모른채 합 그리고 나서야 은행에서 돈을 빌리거나 신용카드가 한도를 초과한 것을 알게 됩니다 그렇다면 물어볼게요 지난 달에 얼마나 썼는지 정확히 아세요 당신의 계좌에 얼마나 들어왔는지 알고 있나요 만약 모르겠다면 그게 바로 돈이 사라진다고 느끼는 이유일 수 있습니다 해결책은 간단한 것에서 시작됩니다 통제입니다 예산을 세우는 것은 당신이 좋아하는 모든 것을 자르는 아니라 당신의 재정적인 삶을 주도하는 것입니다 실제 예를 들어 볼게요 종이 한 장이나 휴대폰에 메모장을 꺼내서 이번 주 동안의 지출을 모두 적어 보세요 진짜 필요한 지출과 불필요한

 

 

지출을 분해 보세요 새 옷이나 사실 필요하지 않았던 아이템 집에 아무것도 어울리지 않는 장식품 혹은 거의 사용하지 않은 비싼 화장품처럼 말이죠 이렇게 하면 돈이 어디로 가고 있는지 알 수 있습니다 대부분은 인생에 전혀 도움이 되지 않는 것들에 낭비되고 있죠 이제 자신만의 예산을 살펴보고 돈을 어떻게 관리할지 공부했다면 이제는 비상금에 대해 이야기해야 할 시간입니다이 실수는 아마도 가장 치명적인 실수일 거예요 바로 비상금 있니다 인생에 예기치 못한 상황을 처리할 수 있는 기반이 없다면 절대로 불을 축적할 수 없습니다 그리고 믿으세요 그런 일들은 항상 발생합니다 차가 고장이 나거나 의료 긴급 상황이 생기거나 직장을 잃는 등의 일은 불가피하며 언제든지 일어날 수 있습니다 이제 만약 당신에게 비상금이 없다면 어떤 일이 일어날까요 비싼 대출을 받거나 신용카드를 사용하는 등의 잘못된 재정적 결정을 내리게 됩니다이는 상황을 더 악화시킬뿐입니다 나는 항상 이렇게 말합니다 남은 돈을 아껴서 쓰지 말고

 

 

저축 남는 돈을 쓰세요 이것은 아주 중요합니다 비상금을 갖추는 것은 단순히 돈 문제만이 아닙니다 그것은 안전 문제입니다 예기치 않은 상황에 대응할 수 있는 비상금이 있다면 더 잘 자고 더 명확한 결정을 내리며 가장 중요한 것은 절망에 휘둘려 더 큰 재정적 실수를 저지르지 않게 됩니다 여섯 번째 실수는 가끔 웃기기까지 한 실수인데 바로 유지보수 입니다 이것은 더욱 미묘한 실수로 이미 가지고 있는 것들의 예방적 유지보수를 소홀이 하는 것입니다 집 차 물건들 말이죠 작은 것처럼 보이지만 나는 이렇게 생각해요 이미 가지고 있는 것을 잘 관리하세요 고치는 비용이 유지하는 비용보다 항상 더 많습니다 정기적으로 점검하지 않아서 잘 돌아간다고 생각하는 자동차를 생각해 보세요 또는 누수나 침수 문제를 밀어 두는 집을 생각해 보세요 이런 작은 문제들을 무시하면 그 문제들은 사라지지 않습니다 오히려 커지죠 그리고 결국 해결하려 할 때 비용은 훨씬 더 커집니다 오늘 몇 푼을 아끼는 것이 내일 10배를 쓰는

 

 

것보다 더 현명하지 않아요 좋은 습관은 유지보수를 비용이 아닌 투자로 생각하는 것입니다 왜냐하면 장기적으로 문제를 예방하는데 드는 비용 절감이 상당할 수 있기 때문이죠 신의 자산을 잘 유지하는 것은 마치 재산을 보존하는 것과 같고 재산을 보존하는 것은 불을 쌓는데 가장 중요한 원칙 중 하나입니다 하지만 무엇이 정말 중요한지 아세요 바로 단 하나의 수입원에 의존하지 않는 것입니다 저는 항상이 말을 해왔습니다 보세요 처음에는 이게 복잡하거나 심지어 두려운 일처럼 느껴질 수도 있지만 걱정마세요 한번에 해야 하는 일이 아니 거한 일 아닙니다 사실 작은 수입원의 변화를 시작하는 것만으로도 안정성을 구축하는데 많은 도움이 됩니다 예를 들어 투자 같은 간단한 것부터 시작할 수 있습니다 만약 투자가 낯설다면 공부를 시작하고 어떻게 얼마로 시작할 수 있는지 알아보세요 많은 사람들이 투자할 때 반드시 많은 돈을 투자해야 한다고 생각하는데 사실 그 반대입니다 적은 것이 모여서 큰 것이 된다는 말이 뜻 그것이 바로 제가

 

 

여러분에게 전하고 싶은 메시지입니다 만약 더 실용적인 방법을 선호한다면 자신이 가진 능력으로 돈을 벌 수 있는 작은 방법들을 생각해 보세요 또는 창업을 고려해 볼 수도 있습니다 사람들의 문제를 해결하는 방법을 배우고 그것으로 돈을 벌어 보세요 이런 방법들은 주 수입원을 보완할 수 있는 것들이며 큰 도약 없이도 가능합니다 사실 그렇게 할 필요도 없습니다 그리고 이전에 이야기했던 포인트가 여기에서 중요합니다 바로 자신의 자아를 다스리고 돈을 관리하며 비상금을 확보하는 것이 왜 그렇게 중요한지 알 수 있습니다 그런 기초가 있으면 새로운 수입원을 차분하고 안전하게 탐색할 수 있습니다 압박감 없이 불필요한 위험을 감수하지 않고도 말이죠 이제 사람들이 자기도 모르게 빠지게 되는 실수 그리고 그것이 바로 여기에 연결되는 부분이 있 그것은 안함니다 이제 또 다른 흔한 실수 그리고 이것이 바로 앞서 말한 것과 직접적으로 연결되는 부분이 있습니다 그것은 편안함 있니다 그런데 제가 말하고자 하는 걸 잘 들어보세요

 

 

돈을 하루 종일 쫓아다니며 살아야 한다는 얘기가 아닙니다 오히려 반대죠 돈을 쫓는 것이 아니라 돈이 자연스럽게 다가오는 삶을 만들어야 한다는 것입니다 그은 축한 것들의 결과로 나타날 것입니다 그런데 여기서 중요한 점이 있습니다 결국 재정적으로 안정되고 금융 상태가 안정되면 과도한 편안함에 빠지기 쉽습니다이는 자연스러운 일입니다 깊게 숨을 쉬고 휴식을 취하며 이제 괜찮아라고 생각할 수 있죠 이건 잘못된 일이 아닙니다 편안함 자체는 문제되지 않습니다 문제는 그것이 당신을 멈추게 만든다는 과도한 편안함은 당신이 더 이상 탐구하지 않게 만들고 배우지 않게 만들며 성장하지 않게 만듭니다 이때가 바로 당신이 안정을 찾았을 때 그 평화를 이용해 계속해서 발전해야 하는 순간입니다 더 많이 배우고 더 많이 읽고 더 많이 공부하며 자기 자신에게 더 많이 투자하는 거죠 상황이 안정되었을 때 당신은 더 이상 두려움 없이 진정으로 다음 단계로 나아갈 수 있는 정신적 감정적 공간을 갖게 됩니다 그러니 여기 한 가지 팁을

 

 

드리겠습니다 만약 너무 편안하다고 느낄 때 스스로에게 이렇게 물어보세요 지금 내가 더 배울 수 있거나 만들 수 있는 것은 무엇일까 이것은 끊임없이 압박 속에서 살아가는 삶을 의미하는 것이 아닙니다 그 균형을 잘 활용해서 더 성장할 수 있는 기회를 찾는 것이죠 편안함은 좋습니다 하지만 과도한 편안함은 당신이 아직도 도달할 수 있는 모든 것을 방해할 수 있습니다 그리고 편안함과 직접적으로 연결되는 또 다른 실수는 지식에 대한 소홀함 있니다 이것은 우리가 원하는 것을 달성했을 때 예를 들어 재정적 안정 더 좋은 직책 또는 추가 수입을 얻었을 때 자주 발생합니다 바로이 순간이 바로 자에 더 많은 주의를 기울여야 하는 시점인데 자는 우리가 이미 충분히 알고 있다고 믿게 만듭니다 한가지말 말씀요 더 이상 배울 필요가 없다고 생각하는 순간 바로 그 순간이 당신이 성장을 멈추는 순간입니다 인생은 마치 계단 같아요 올라가지 않으면 결국 내려가게 되죠 특히 지식에 대해서 그렇습니다 그래서 겸손함을 유지하고 자를 제어하며 항상

 

 

 

새로운 것을 배울 수 있다는 사실을 이해하는 것이 그렇게 중요한 이유입니다 많은 사람들이 배운다는 것이 아직 시작하는 사람 이기를 노리는 사람만의 일이라고 생각합니다 하지만 한가지 진실을 알려드릴게요 가장 많은 성과를 이루는 사람들은 절대로 배움을 멈추지 않는 사람들입니다 당신이 목표를 달성했을 때 그때가 바로 자신에게 계속 투자해야 하는 시점입니다 왜냐하면 시장은 변하고 기회는 변하며 배움을 소홀이 하면 결 뒤쳐지게 되기 때문입니다 예를 들어볼게요 어람 시해 안정적인 재정적 여유를 구축했다고 가정해봅시다 그런데 그 사람이 이제 내가 필요한 건 다 알겠어라고 생각하고 공부를 멈춘다면 새로운 기회를 놓치거나 시장 변화에 적응하지 못하거나 업데이트되지 않은 상태에서 잘못된 결정을 내리게 될 수 있습니다 지식에 관한 이야기에서 이제 번째이자 마지막 실수를 깊게 살펴보세요 정으로 나아지길 원하지만 돈이 실제로 어떻게 돌아가는지에 대한 지식을 찾는 것을 잊어버립니다 이걸 보면 저는 이렇게 생각하게 돼요 규칙을 모르는데 어떻게

 

 

게임을 할 수 있나요 돈에 대해서 이야기하는 것은 복잡할 필요가 없습니다 하지만 배워야 하고 절대로 멈추면 안됩니다 저는 금융에 대한 학습을 여행에 비유합니다 잘 모르는 길을 운전하는 것과 같아요 속는 있지만 지도없이 가면 길을 잃기 쉽죠 그리고 재미있는 점은 더 많이 배울수록 모든 것이 더 명확해진다는 것입니다 돈은 더 이상 복잡한 존재가 아니라 점점 더 이해가 되기 시작합니다 여기 가장 중요한 부분이 있습니다 금융에 대해 배우는 것은 복잡한 것들을 공부하거나 숫자에 빠지는 것이 아닙니다 그것은 간단한 것들을 이해하는 것입니다 돈이 당신을 위해 하게 만드는 방법 나쁜 부채를 피하는 방법 그리고 현명하게 투자하는 방법 제가 투자를 시작했을 때 그것은 많은 돈을 가질 수 있다는 것에 대한 것이 아니었습니다 적은 돈을 어떻게 더 많이 만드는지를 이해하는 것이었죠 시간이 지나면서 이것은 하나의 습관이 되었습니다 그리고 항상 기억하는 것을 좋아하는데 지식은 아무도 빼앗을 수 없는 유일한 자산입니다 한번 배우면 은 당신의

 

 

일부가 됩니다 이제 중요한 점을 하나 말씀드릴게요 당신은 이미 은퇴에 대해 생각을 시작했나요 은퇴라고 할 때 저는 단순히 저축하는 것만을 말하는 것이 아니라 투자하는 것을 말하는 것입니다 많은 사람들이 은퇴는 나이가 들고 나서 해야 할 일이라고 생각하지만 간단한 예를 하나 드리겠습니다 두 사람을 상상해보세요 하나는 스무살에 시작해서 달 은 금액을 투자합니다 다른 하나는 마흔이 되어 시작하지만 더 큰 금액을 투자하려고 합니다 누가 더 많은 돈을 모을까요 답은 간단합니다 시간은 투자자의 가장 큰 친구입니다 시간은 복리 이자가 당신을 위해 일할 수 있게 합니다 비록 작은 금액이라도 잘 투자하면 늦게 시작한 큰 금액보다 훨씬 더 많이 성장할 수 있습니다 이것을 눈덩이처럼 생각해 보세요 더 일찍 시작할수록 산 끝에 도달할 때 그 크기는 더 커질 것입니다 여기 최고의 부분이 있습니다 시작하는데 많은 돈이 필요하지 않습니다 안전한 고정 수익 투자로 시작할 수 있고 부동산 펀드를 탐색해 보세요이는

 

 

부동산을 직접 사지 않고도 수익을 얻을 수 있는 방법입니다 이러한 작은 단계들이 일관성 있게 이루어지면 시간이 지남에 따라 의미 있는 것을 쌓을 수 있습니다 저는 이것을 미래의 자기 자식 마치 내가 당신을어요 당신에게 평화를 줄 무가를 만들기 위해 신경썼어요라고 말하는 것과 같죠 이렇게 보면 미래를 위한 투자는 의무가 아니라 당신이 할 수 있는 가장 지혜롭고 위안이 되는 일 중 하나가 됩니다 마지막으로 저는 계획 습관에 해 이하는 것이 불편할 수 있다는 것을 압니다 모든 사람이 이런 이야기를 듣고 싶어 하는 건 아니죠 저도 이해해요 자신을 들여다보고 아마도 당신이 막고 있는 실수들을 깨닫는 것은 쉽지 않죠 하지만 한 가지 말씀드릴게요 그 불편함이 바로 성장을 촉진하는 원동력입니다 오늘 당신이 개선해야 할 점을 발견했다면 이미 변화를 위한 첫 번째 발걸음을 내디딘 것입니다 자기 실수에서 배우는 것도 좋지만 람 실에서 우는 것이 더좋습니다 늘 우리가 이야기한 모든 것은로 그것에 관한 것입니다 미래에 당신의 평화를

 

 

아삭 수 있는 실수들을 피하는 법에 대해 많은 사람들이 저지르는 실수를 탕으로 이야기한 것입니다 여기까지 읽으셨다면 아래에 저는 부자입니다 댓글을 달아주세요 그 당신은이 부자입니다 당신이 금융도 부자가 될 것이라는 것을 알고 있습니다 저는 당신을 믿습니다 이제 당신이 생각해봐야 할 중요한 점이 있습니다 아무도 당신의 재정적 자유를 대신 만들어 줄 수 없습니다 선택은 당신의 것이고 그걸 이루는 것도 당신의 것입니다 하지만 좋은 소식은 당신이 그것을 통제할 수 있다는 점입니다 오늘 내리는 작은 결정 하나하나가 마치 씨앗을 심는 것처럼 시간이 지나면 모든 것이 보람차게 돌아올 것입니다 마지막으로 남길 메시지가 있다면 그것은 바로 이겁니다 돈은 그 자체로 목표가 아닙니다 그것은 당신에게 안전과 자유 그리고 무엇보다도 당신이 진정으로 원하는 방식으로 살 수 있는 평화를 주기 위한 도구일뿐입니다 돈이 당신을 위해 일하게 하고 당신은 돈을 위해 살지 마세요 오늘 이야기한 것들 중 일부가 불편하거나 듣기 어려웠다면 그것을

 

 

과정에 일부로 받아들이세요 왜냐하면 재정적으로나 사람으로서 성장하는 것은 결코 쉬운 일이 아니기 때문입니다 하지만 올바른 일을 시작하는 것이 빨리 시작할수록 더 많은 시간을 즐길 수 있게 해줍니다 여기까지 저를 들어 주셔서 감사합니다 반성할 시간을 가졌고 무엇보다도 자신의 미래를 더 신중하게 바라보려는 자세를 갖추려는 마음에 감사드립니다 기억하세요 가장 좋은 투자는 바로 자기 자신에게 하는 투자입니다 행운을 빕니다 당신의 꿈은 이제 당신을 기다리고 있습니다

 

Summary

In this insightful video, the speaker shares essential lessons about personal finance and the common mistakes people make that hinder their financial success. The central message is that earning a high income does not guarantee wealth; how one manages and utilizes one's finances is crucial. The speaker outlines several key mistakes that individuals often fall into, such as allowing their ego to dictate spending, failing to compare prices before making significant purchases, and neglecting to track expenses. He emphasizes the importance of budgeting, having an emergency fund, and maintaining existing assets to avoid costly repairs later. Additionally, the speaker encourages viewers to diversify their income sources and continuously invest in their knowledge to adapt to changing financial landscapes. Ultimately, the speaker urges a mindset shift towards viewing money as a tool for freedom and peace rather than an end goal.

Highlights

• 💰 Ego-Driven Spending: Many people overspend to impress others, leading to financial strain.
• 📉 Price Comparison Ignorance: Not comparing prices before purchases can result in paying more for less value.
• 📊 Lack of Budgeting: Operating without a budget is akin to driving without monitoring fuel levels; it leads to financial disaster.
• 🚑 Neglecting Emergency Funds: Not maintaining an emergency fund can lead to poor financial decisions during crises.
• 🛠️ Ignoring Maintenance: Failing to maintain existing assets can result in higher repair costs down the line.
• 📚 Stagnation in Learning: Believing one knows enough and ceasing to learn can hinder long-term financial growth.
• 🌱 Investing in Self: The best investment is in oneself, fostering continuous personal and financial growth.

Key Insights

• 🔍 The Role of Ego in Finances: The speaker emphasizes that ego can lead to impulsive purchases to gain social validation. This behaviour diverts attention from genuine financial goals and creates unnecessary stress. Individuals can focus on meaningful spending aligning with their needs and values by recognizing and managing ego-driven impulses.
• 💸 Understanding Price vs. Value: The distinction between price and value is crucial in making informed spending decisions. The speaker notes that many consumers fall prey to marketing tactics, leading them to believe they are getting bargains when, in fact, they may be overpaying for convenience. A deeper understanding of value encourages smarter financial choices that maximize return on investment.
• 📅 The Importance of Budgeting: Budgeting is a foundational tool for financial health. The speaker advocates meticulously tracking income and expenses to understand where money flows. This practice empowers individuals to make adjustments and prioritize savings, ensuring they live within their means while planning for the future.
• 🚨 Emergency Funds as Financial Security: The necessity of an emergency fund cannot be overstated. The speaker argues that individuals are more susceptible to financial turmoil without a safety net, which may lead them to make hasty decisions, such as incurring debt. Establishing an emergency fund fosters peace of mind and allows for better decision-making in times of crisis.
• 🏠 The Cost of Neglect: Preventative maintenance is vital to long-term financial management. The speaker advocates for taking care of assets to avoid more significant costs associated with neglect. Regular upkeep can save substantial amounts of money and preserve the value of possessions over time.
• 🧠 Continuous Learning: The importance of lifelong learning in personal finance is underscored. The speaker notes that complacency can lead to stagnation and missed opportunities. By committing to ongoing education about financial principles and market trends, individuals can adapt to changes and leverage new wealth-building opportunities.
• 🌍 Diversifying Income Sources: The speaker encourages viewers to explore multiple income streams to safeguard against financial instability. By diversifying income, individuals can create a more resilient financial structure that can withstand economic fluctuations. This proactive approach builds confidence and reduces reliance on a single source of income.

The video presents a comprehensive view of personal finance, emphasizing the need for self-awareness, education, and strategic planning. By avoiding common pitfalls and adopting a proactive mindset, individuals can achieve financial freedom and peace, transforming their relationship with money from a source of stress into a tool for empowerment.

Let me share something I've learned: what's important isn't how much you earn but how well you manage what you have. Many people with excellent salaries still struggle financially, while others with lower incomes can build real wealth. Why is that? There's a simple rule about money: you either control it, or it controls you. Let's talk about one common mistake people make. This conversation could kickstart some financial changes that could change your life. The first mistake is self-control. I think one of the biggest challenges in life is managing yourself. This can break many people, but those who can master it will thrive. When you can control yourself, you learn to live for yourself instead of trying to please others. And that changes everything. Think about how often you buy things you don't need to impress someone.

 

 

I saw someone spending money to look good, or maybe because everyone else has it, and I’ve felt that pressure, too. We get wrapped up in trying to keep up appearances, and maintaining that image can be expensive. But when you learn to let that go, you realize you can feel good about yourself without needing anyone else's approval. That’s when you start focusing on your peace, goals, and freedom. And you know what happens when you live like that? The pressure fades away. Instead of wasting energy trying to impress others, you use it to get what you want. So every time you make a financial decision—whether buying or investing—ask yourself: am I doing this for me or to impress someone else? Be honest. If the answer is for someone else, stop and think: do I need this? What sacrifices am I making to maintain this image? Because living without the pressure to impress others is what genuine wealth is all about. Now, let’s talk about another common mistake: big purchases.

 

 

Before you buy something, make sure to compare prices. I always say the price is what you pay, and the value is what you get. A lot of people don’t think twice before making a purchase. They might be influenced by what they saw, choosing the first option or a sale, considering they've scored a great deal. But in reality, they’re just paying a premium for convenience. Listen up: the chains of habit are so light that you don’t feel them, but they can become heavy enough to break you. This ties into the third mistake many people don’t even realize they’re making: continuing to pay for things you don’t use. Think about those subscription services you can’t remember the last time you used. How many people are still shelling out monthly fees for streaming services or apps, completely forgetting about them while their credit card bills pile up? Those little wastes can accumulate over time, like drops of water that eventually flood your whole house.

 

 

It happens when you don’t keep track of where your money is going, and here’s where the fourth mistake comes in: not having a budget and not controlling your spending. This might be the most dangerous mistake because it’s like driving a car without checking the fuel. You can go a long way, but eventually, you’ll run out of gas, and then what? Most people don’t know how much is coming in and going out each month. Then, they borrow money from the bank or realize they’ve maxed out their credit cards. So let me ask you, do you know exactly how much you spent last month? Do you know how much came into your account? If you don’t, that might be why you feel like your money has disappeared. The solution starts with something simple: control. Creating a budget doesn’t mean cutting out everything you love; it means taking charge of your finances. Here’s a real example: grab a piece of paper or pull out the notes app on your phone and write down all your weekly expenses. List out what’s really necessary and what’s not.

 

 

 

Break down your spending. Look at things like new clothes or items you didn’t really need, decorations that don’t match anything in your house, or those expensive cosmetics you hardly use. This way, you can see where your money is going—most of it is wasted on stuff that doesn’t help your life. Now that you’ve checked your budget and learned how to manage your money, it’s time to discuss having an emergency fund. This mistake could be your worst mistake: not having an emergency fund. Without a safety net for unexpected situations, you’ll never be able to save money. And trust me, those situations always happen—like your car breaking down, a medical emergency, or losing your job. If you don’t have an emergency fund, what will happen? You’ll make bad financial decisions, like taking out expensive loans or using credit cards, which worsens things. I always say: don’t just save your leftover money; make a plan for it.

 

 

"Use the money you save wisely; it’s super important. Having an emergency fund isn’t just about having cash—it’s about feeling secure. If you have some backup money for unexpected situations, you’ll sleep better, make clearer decisions, and, most importantly, not end up in a financial mess out of desperation. The sixth mistake is actually kind of funny—it's about maintenance. It's a subtle mistake where people neglect to care for what they already have, like their home, car, and belongings. It might seem small, but I believe in taking good care of what you own. The cost of repairs will always be more than the cost of maintenance. Think about a car you don't get checked regularly, assuming it’s just fine, or a house with leaks that you keep putting off fixing. Ignoring these little issues doesn’t make them disappear; they grow bigger. And when you finally fix them, the costs can skyrocket. Saving a few bucks today can cost you ten times more tomorrow."

 

 

It’s not smarter than that. A good habit is considering maintenance as an investment, not a cost. This is because it can save you a lot of money in the long run by preventing problems. Taking care of what you have is like preserving your wealth, and preserving wealth is one of the most important principles in building up assets. But do you know what’s really crucial? It’s not relying on just one source of income. I’ve always said this: Sure, it might initially feel complicated or even scary, but don’t worry, you don’t have to tackle everything at once. Just making minor changes to your income streams can help create stability. You could start with something simple like investing. If investing feels unfamiliar, start learning about it and figure out how to get started, even with a small amount. Many people think you need a ton of money to invest, but it’s actually the opposite. Little amounts can add up to something big, and that’s what I’m all about.

 

 

I want to share a message with you all. If you prefer a more practical approach, consider small ways to make money using your existing skills. You might also consider starting your own business. Learn how to solve people's problems, and you can earn money from that. These methods can supplement your primary income and don’t require a huge leap. In fact, you don’t even need to do it that way. And this ties back to an earlier point about why managing your finances and having an emergency fund is so important. With that foundation, you can explore new income sources calmly and safely without feeling pressured or taking unnecessary risks. Now, let’s talk about a common mistake people often make without realizing it, which ties into this: it’s complacency. And here’s another common mistake that directly connects to what I just mentioned: being too comfortable. So listen up to what I’m trying to say.

 

 

It's not about chasing money all day long. It's the opposite. You should be creating a life where money comes to you naturally. The results will show up as a byproduct of what you nurture. But here’s the important part: once you become financially stable, it’s easy to fall into a trap of excessive comfort. That’s totally normal. You might take a deep breath and think, “I’m okay now.” There’s nothing wrong with comfort itself—it’s okay. The problem is when that comfort makes you stop. Excessive comfort can prevent you from exploring, learning, and growing when you find that stability; that’s your cue to use that peace to keep pushing forward, learning, reading, studying, and investing in yourself. Once things settle down, you’ll have the mental and emotional space to move on to the next level without fear. So here’s a tip for you.

 

 

If you ever feel uncomfortable, ask yourself, “What can I learn or create right now?” This doesn’t mean living under constant pressure; it’s about finding opportunities to grow by striking a balance. Comfort is great, but too much can hold you back from reaching your potential. Another mistake that comes with comfort is neglecting knowledge. This often happens when we achieve what we want, like financial stability, a better job, or extra income. That’s the moment we should pay more attention because comfort can trick us into thinking we know enough already. Let me tell you this: the moment you think you don’t need to learn anymore is when you stop growing. Life is like a staircase; if you’re not climbing up, you’re eventually going down, especially regarding knowledge. So, stay humble, keep your comfort in check, and always strive for more.

 

 

Understanding the importance of learning new things is key. Many people think that learning is just for beginners or those just starting. But let me tell you the truth: the most successful people are the ones who never stop learning. When you achieve your goals, that's exactly when you need to keep investing in yourself. Why? Because the market changes, opportunities change, and if you neglect learning, you'll fall behind. Let’s say you’ve built a stable financial situation. If you think, “I know everything I need to know,” and stop learning, you could miss out on new opportunities or struggle to adapt to market changes, leading to poor decisions because you're not up-to-date. Now, let’s dive into the last mistake regarding knowledge. People want to improve but forget to seek an understanding of how money works. When I see this, I think, how can you play the game if you don’t know the rules?

 

 

Can you play games? Talking about money doesn't have to be complicated. But you do need to learn, and you should never stop. I think learning about finances is like going on a journey. It's like driving on a road you don’t know—you'll get lost without a map. Interestingly, the more you learn, the clearer everything gets. Money makes sense, and it isn't this confusing thing anymore. Here’s the key part: learning about finance isn’t about studying complex stuff or getting lost in numbers. It’s about understanding simple things—how money works for you, how to avoid bad debt, and how to invest wisely. When I started investing, it wasn’t about having a lot of money; it was about figuring out how to make a little go further. Over time, it became a habit. And I always like to remember this: knowledge is the only asset no one can take away from you. Once you learn it, it’s yours.

 

 

Let me share an important point with you. Have you started thinking about retirement? When I talk about retirement, I’m not just talking about saving money; I mean investing it. Many people believe you only deal with retirement when you’re older, but let me give you a simple example. Picture two people: one starts investing a small amount at 20, while the other waits until they’re 40 and tries to invest a more significant amount. Who do you think ends up with more money? The answer is pretty straightforward—time is an investor’s best friend. Time lets compound interest work in your favour. Even if you’re starting with a small amount, investing wisely can grow more than a larger sum that starts later. Think of it like a snowball: the earlier you start, the bigger it gets by the time you reach the end. And here’s the best part: you don’t need much money to start. You can begin with safe fixed-income investments and even explore real estate funds.

 

 

Here's a way to earn profits without actually buying real estate. You can build something meaningful over time by consistently taking these small steps. It’s like telling your future kids, “I cared enough to create something that brings you peace.” When you think about it this way, investing for the future becomes not just an obligation but one of the most innovative and comforting things you can do. I know it can be uncomfortable to get into planning habits. Not everyone wants to hear this kind of talk, and I get that. It’s not easy to look in the mirror and realize the mistakes you might be making. But here’s the thing: that discomfort is what drives growth. If you’ve identified something to improve today, you’ve already taken the first step toward change. Learning from your mistakes is great, but crying in the shower about them is even better. Ultimately, it’s all about your peace in the future.

 

 

Many people mess up when it comes to avoiding mistakes, and I wanted to share some thoughts on that. If you’ve read this far, comment below saying, “I’m rich.” You’re rich, too, and I know you can be financially wealthy. I believe in you. Here’s something important to consider: no one can create your financial freedom. The choice is yours, and it’s up to you to make it happen. The good news is that you can control it. Every little decision you make today is like planting a seed; it will all pay off in time. If there’s one last thing I want to say, it’s this: money isn’t a goal in itself. It’s just a tool to give you safety, freedom, and, most importantly, peace in living the way you want. Make money work for you; don’t live for money. If any of what I talked about today felt uncomfortable or hard to hear, that’s okay.

 

 

"Embrace the process because growing financially and as a person isn’t easy. But starting to do the right things sooner means you'll get to enjoy life more. Thanks for listening to me this far. I'm grateful you took the time to reflect and are ready to look at your future more seriously. Remember, the best investment is the one you make in yourself. Good luck! Your dreams are waiting for you."

 

The video offers a thorough overview of personal finance, highlighting the importance of self-awareness, education, and strategic planning. By steering clear of common pitfalls and adopting a proactive mindset, individuals can achieve financial freedom and peace, transforming their relationship with money from a source of stress into a tool for empowerment. One valuable lesson I've learned is that what truly matters is not how much you earn but how well you manage what you have. Many people with high salaries still struggle financially, while others with lower incomes can build real wealth. Why is this the case? There’s a simple principle about money: you either control it, or it controls you. Let’s discuss one common mistake people make. This conversation could be the starting point for financial changes that might transform your life. The first mistake is a lack of self-control. One of the biggest challenges in life is managing yourself. This can hinder many individuals, but those who can master self-control will thrive. When you can manage yourself, you begin to live for your goals instead of trying to please others, which changes everything. Consider how often we purchase unnecessary items to impress someone else. I've witnessed others spending money to look good or trying to keep up with trends, and I’ve also felt that pressure. We often get caught up in maintaining a specific image, which can be costly. However, when you let go of that pressure, you realize you can feel good about yourself without needing anyone else's approval. This shift lets you concentrate on your peace, goals, and freedom. What happens when you adopt this mindset? The pressure starts to dissipate. Instead of wasting energy trying to impress others, you focus on achieving what you truly want. So, every time you make a financial decision—whether a purchase or an investment—ask yourself: Am I doing this for myself or to impress someone else? Be honest with yourself. If your answer is for someone else, take a moment to reflect: Do I need this? What sacrifices am I making to maintain this image? Living without the need to impress others is the essence of genuine wealth. Now, let’s discuss another common mistake: making large purchases.

Before you make a purchase, it's important to compare prices. I've always said that the price is what you pay, while value is what you get. Many people don’t think twice before buying something; they often go with the first option or are swayed by a sale, mistakenly believing they’ve found a great deal. In reality, they may simply be paying a premium for convenience. Keep this in mind: the chains of habit can be so light that you don’t even notice them, but over time, they can become heavy enough to hold you back. This leads to a common mistake that many people are unaware of: continuing to pay for things they don’t use. Think about those subscription services for which you can hardly remember the last time you logged in. How many people still pay monthly fees for streaming services or apps, completely forgetting they exist while their credit card bills pile up? These small wastes can accumulate over time, like water droplets that eventually flood your house. This often happens when you don’t track where your money is going, leading to another grave mistake: not having a budget and failing to control your spending. This could be the most dangerous mistake because it’s akin to driving a car without checking the fuel. You might get quite far, but eventually, you’ll run out of gas. Do you know exactly how much you spent last month? Are you aware of how much money came into your account? If you can’t answer these questions, that might explain why it feels like your money has disappeared. The solution starts with something simple: control. Creating a budget doesn’t have to mean cutting out everything you enjoy; it’s about taking charge of your finances. Here’s a practical step: grab a piece of paper, use the notes app on your phone, and write down your weekly expenses. Categorize them into necessary costs and those that aren’t essential. Break down your spending by looking at items like new clothes you didn’t need, decorations that don’t match anything in your house, or expensive cosmetics that you hardly use. This way, you can see where your money is going—much of it may be wasted on things that don’t enhance your life. Now that you’ve reviewed your budget and learned how to manage your money, let's discuss the importance of having an emergency fund. Not having such a fund could be one of your worst mistakes. Without a safety net for unexpected situations, saving money becomes nearly impossible. Trust me, unexpected situations will arise—like your car breaking down, a medical emergency, or losing your job. If you don’t have an emergency fund, you'll likely make poor financial decisions, such as taking out costly loans or maxing out your credit cards, which only worsens things. Remember this: don’t just save whatever money is left over; create a plan for it.

"Use the money you save wisely; it’s essential. Having an emergency fund isn’t just about having cash—it’s about feeling secure. When you have some backup money for unexpected situations, you’ll sleep better, make clearer decisions, and, most importantly, avoid ending up in a financial mess out of desperation. The sixth mistake is somewhat amusing—it involves maintenance. Many people subtly neglect to care for what they already own, such as their home, car, and belongings. While it may seem insignificant, I believe in taking good care of your possessions. Remember, the cost of repairs will always be higher than the maintenance cost. Think about a car you don’t get checked regularly, assuming it’s perfectly fine or a house with leaks that you keep postponing fixing. Ignoring these small issues doesn’t make them disappear; they often become bigger problems. When you finally address them, the costs can skyrocket. Saving a little money today can cost you ten times more tomorrow. It’s important to view maintenance as an investment, not a cost. This mindset can save you a lot of money in the long run by preventing larger issues. Taking care of what you have is akin to preserving your wealth, one of the most critical principles in building up your assets. Now, do you know what else is crucial? Not relying on just one source of income. I’ve always said that, while it might initially feel complicated or even intimidating, you don’t have to tackle everything at once. Making small changes to your income streams can help create stability. You could start with something simple like investing. If the concept of investing feels unfamiliar, take the time to learn about it and figure out how to get started, even with a small amount. Many people believe you need substantial money to invest, but that’s not true. Small amounts can add up to significant sums, and that’s what I advocate. I want to share an important message with you all. If you prefer a more practical approach, consider small ways to generate income using your existing skills. You might also think about starting your own business. Learn how to solve people's problems, and you can earn money from that. These methods can supplement your primary income without requiring a huge leap. Importantly, this ties back to my earlier point about why managing your finances and having an emergency fund is essential. With that solid foundation, you can explore new income sources calmly and safely without feeling pressured or taking unnecessary risks. Now, let’s discuss a common mistake people often make without realizing it: complacency. There’s also another mistake closely related to this: becoming too comfortable. So, please pay attention to what I’m trying to convey."

It's not about chasing money all day; it's the opposite. You should be creating a life where money comes to you naturally. The results will manifest as a byproduct of what you nurture. However, there’s an important point: once you become financially stable, it’s easy to fall into the trap of excessive comfort. This response is completely normal. You might take a deep breath and think, “I’m okay now.” While there’s nothing wrong with comfort, it becomes an issue when it stops you in your tracks. Excessive comfort can hinder your exploration, learning, and growth. When you find that stability, use that peace as a cue to keep pushing forward—keep learning, reading, studying, and investing in yourself. Once you feel settled, you’ll have the mental and emotional space to advance to the next level without fear. Here’s a tip: if you ever feel uncomfortable, ask yourself, “What can I learn or create right now?” This doesn’t mean you should live under constant pressure; instead, it’s about finding opportunities to grow by striking a balance. Comfort is excellent, but too much can hold you back from reaching your potential. Another mistake that often accompanies comfort is neglecting knowledge. This frequently happens when we achieve goals, such as financial stability or a better job. That’s the crucial moment we should pay more attention to, as comfort can trick us into believing we already know enough. Remember, the moment you think you don’t need to learn anymore is when you stop growing. Life is like a staircase; if you’re not climbing upward, you’re eventually going down, especially regarding knowledge. So, stay humble, keep your comfort in check, and always strive for more. Understanding the importance of continuous learning is key. Many think that learning is only for beginners or those just starting. But the truth is, the most successful individuals are those who never stop learning. When you achieve your goals, that’s precisely when you need to keep investing in yourself. Why? Because the market changes, opportunities evolve, and if you neglect learning, you’ll fall behind. For instance, if you’ve built a stable financial situation and think, “I know everything I need to know,” and stop learning, you could miss out on new opportunities or struggle to adapt to market changes, leading to poor decisions because you’re not up-to-date. Finally, let’s address the last mistake regarding knowledge: people want to improve but often forget to seek an understanding of how money works. Think about it: how can you play the game if you don’t know the rules?

Can you play games? Discussing money doesn’t have to be complicated, but it is crucial to learn and to continue learning. I believe understanding finances is like embarking on a journey; you may feel lost without a map. The more you learn, the clearer everything becomes. Money starts to make sense and ceases to be confusing. Here’s the key point: learning about finance isn’t about mastering complex concepts or getting bogged down in numbers. It’s about grasping simple principles—how money works for you, how to avoid bad debt, and how to invest wisely. When I began investing, my focus wasn’t on having a lot of money; it was on figuring out how to make a little go further. Over time, this became a habit. Remember this: knowledge is the only asset no one can take away from you. Once you learn it, it’s yours. Let me share an important point: have you started considering retirement? When I talk about retirement, I don’t just mean saving money but investing it. Many people think that retirement planning is something to consider only when they are older, but consider this simple example: Picture two individuals—one starts investing a small amount at age 20. At the same time, the other waits until age 40 to invest a more considerable sum. Who do you think will end up with more money? The answer is clear—time is an investor’s best friend. Time allows compound interest to work in your favour. Even starting with a small amount can yield more over time than a more considerable amount invested later. Think of it like a snowball: the earlier you start, the bigger it becomes by the time you reach the end. And here’s the best part—you don’t need much money to start. You can begin with safe fixed-income investments and even explore real estate funds. Here’s a method to earn profits without actually buying real estate. You can build something meaningful over time by consistently taking these small steps. It’s like saying to your future kids, “I cared enough to create something that will bring you peace.” When you think of it this way, investing for the future transforms from being an obligation into one of the most innovative and comforting things you can do. I understand that it can be uncomfortable to develop planning habits. Not everyone wants to engage in this conversation, and I get that. It’s not easy to look in the mirror and acknowledge the mistakes you may be making. But here’s the reality: that discomfort is what drives growth. If you’ve identified something to improve today, you’ve already taken the first step toward change. Learning from your mistakes is essential, but reflecting on them is even more powerful. Ultimately, it’s about ensuring your peace in the future.

Many people struggle to avoid mistakes, and I wanted to share some thoughts on this topic. If you’ve read this far, please comment below saying, “I’m rich.” You are rich, too, and I genuinely believe you can achieve financial wealth. The path to monetary freedom is yours to create, and taking action to make it happen is essential. The good news is that you have control over it. Every decision you make today is like planting a seed, and it will pay off in time. If there’s one last thing I want to emphasize, it’s this: money isn’t a goal; it’s merely a tool that can provide you with safety, freedom, and, most importantly, peace in living your desired life. Make money work for you; don’t live for money. If any part of what I've discussed today feels uncomfortable or hard to hear, that’s perfectly okay. Embrace the process because growing financially and personally isn’t easy. However, making the right choices sooner will allow you to enjoy life more fully. Thank you for listening and reflecting; I appreciate your commitment to considering your future more seriously. Remember, the best investment is the one you make in yourself. Good luck! Your dreams are waiting for you.