Jay Shetty

That's such a great plan.

It feels so achievable in the beginning.

It gives you a step-by-step process because I think sometimes people are debating, do I save money first or do I pay for my debt first?

And you're like, well, actually, you'll feel much better if you just have that cushion.

That's important.

You need that.

Next thing, start paying off that debt.

And now once you've done that, now further down the line, we can start thinking about investing and everything else.

And I think you're so right that often we do it the opposite way.

We think, well, if I invest first, then hopefully one of these things will make me a bit of money.

Obviously it doesn't, or it takes five to 10 years or even longer.

Yeah.

And so the fear doesn't go away.

The insecurity doesn't go away.

And now you're not saving right either.

So I really like that reframe because I'm really hoping everyone who's listening and watching right now, like Nisha's just laid out an absolute masterclass of what to do with your money right now if you're in that type position.

And I couldn't agree with you more.

Sorting out your financial well-being and your peace first is a much stronger foundation to build from.

Oh, good answer.

I'm remembering a purchase I made early days.