Jay Shetty

So for example, before, when you paid for something, you took cash out of your personal wallet and gave it to someone.

So you actually had to count how many dollars, how many cents, how many pounds, wherever you live.

Right.

And you had to count and you'd be like, oh my gosh, this is a lot of money.

It's a hundred dollars.

It's $50, whatever it is.

Then we had cards.

And so now you can't see money anymore.

Yeah.

And so it's so much easier to tap your card and put your card into a machine than it is to actually count the dollars.

And now you just do an online transaction.

So you don't have to give anything.

You literally just type in a code or press buy and you click or whatever it may be.

And the next thing you know, it's already there.

And so spending money has become so much more easier.

And so I get why people are scared because it's like you've gone from having to count to having to give to having to click.

And now you don't even have to think about it.

And would you argue that is it a willpower issue?

Or do you believe if we looked at our finances, we'd make better decisions automatically?

If someone listens to this podcast and they go, okay, Nisha, I'm going to start looking at my finances for 20 minutes at the end of the month.