It would seem to be a surprise to people that watching Kim Kardashian doesn’t increase the amount of raw important data in their head.
You don’t want to struggle financially? Let’s see how much you know. Let’s see if you deserve it…
Do you know what Libor is?
How about Prime Rate? Do you know what that is?
Well, it sounds like you have some work to do…
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There’s incredible value in books about war, from generals and commanders on the battlefield.
They learn the lessons that we all do, except they learn them with hyper clarity.
The fog of war applies, but not to the moments in combat when the realities of lessons learnt hit you. They hit you with the most extreme clarity. At least, that’s what the author of this book and others have said.
I’m reading another book right now about Apache helicopter pilots in Iraq. But not just any helicopter pilots, these were the pararescue (Air Force) and Night Stalkers (Army Special Forces) and their job was to go into a hot combat zone to medivac downed soldiers. And basically it was the most dangerous job imaginable. They were constantly being shot down. And every time they left base, they knew it was 50/50 if they died or lived.
Imagine living with that type of uncertainty. That type of fear.
You have no other choice but to conquer the fear and enjoy every little moment you have.
My take away guys from people who have experienced things like that, is that they are literally on a higher level of consciousness because of it.
They are able to perceive their own gratitude for life with SUCH CLARITY that they are living in a higher more evolved area.
So please read books like this, learn how these people think after experiencing what you never will, and annex their thinking as Seneca said: suck it into your own brain.
Be grateful for every moment of life. And take it, with full advantage.
- Create a new sticky note and put it on your monitor: “I have financial freedom because I have financial discipline.”
- Everyday spend 10 minutes reviewing all of the expenses across all of your bank accounts and cards.
- Reduce the extent to which you use credit cards, then delete them from your life. If you can’t afford what you need and need credit regularly, it’s a sign you aren’t being paid enough. Fix that problem, don’t bandaid with credit.
- Max out your match on your 401k with your employer, if you have one.
- If you are at a startup, and don’t have equity – ask about getting some. If you have some, make sure you are tracking it and the estimated value.
- Open new bank accounts (if your bank has no-monthly-fee accounts) then rename them online to: “Opportunity”, “Necessities”, “Vacation”, “Emergency Fund” (you can do more, but these are the basics).
- Necessities: Make sure your direct deposit with employer is set up to Necessities, and you pay bills through this account.
- Opportunity: This account gets 5% of your GROSS pay each month. It’s for opportunities in life that you might have missed out on without funds.
- Vacation: This one is exactly as it sounds. 1-5% of GROSS each month. This account should excite you. Attach fun to this one in your mind.
- Emergency Fund: This account is for your medical and life emergencies. This is more important than a general savings account. This should be 1-5% of GROSS each month.
- The most important thing with saving is: PROGRESS NOT PERFECTION. If you have to dip into certain funds for certain other things that’s fine. Just remember progress not perfection.
- All of the above actions can help you become financially free more quickly, but if your brain self-sabotages, you will always take 2 steps back and never make progress. I know this from personal experience. You have to rewire your brain a little bit. A lot of us that grew up in lower/middle-class (esp. millineals who saw their parents lose everying in 07-08) have so much fear and pain towards money. We must rewire our brain or we will never be free.
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This metaphor really impacted the way I view fear…
The scenario is that you are locked in a room with a wild stallion horse. A small room. About the size of 2 or 3 bedrooms.
Now go stand over in the corner in fear and cower, and guess what will happen?
You will DIE. A wild stallion horse will kick you NO MATTER WHERE YOU STAND AND COWER.
There is only one thing you can do in that room to survive, and that’s to jump on the back of the horse and harness it and ride it.
The same goes for your brain.
The. Exact. Same.