Katie

As you get older, it will take more and more cash flow to serve that master. That is not a good ROI. And obviously the counter to that is investing in real capital because if that's invested wisely, it's going to grow. It's going to get better with time. So in chapter one, I really tease apart some of these forces and talk about the process that someone can take to, in a very curious and

As you get older, it will take more and more cash flow to serve that master. That is not a good ROI. And obviously the counter to that is investing in real capital because if that's invested wisely, it's going to grow. It's going to get better with time. So in chapter one, I really tease apart some of these forces and talk about the process that someone can take to, in a very curious and

exploratory way, figure out how much of your take-home pay you're spending on these things, and then really reassess your relationship with them and figure out where you are getting a worthwhile return on investment and where you are maybe upholding systems that are not good for you or anyone else.

exploratory way, figure out how much of your take-home pay you're spending on these things, and then really reassess your relationship with them and figure out where you are getting a worthwhile return on investment and where you are maybe upholding systems that are not good for you or anyone else.

exploratory way, figure out how much of your take-home pay you're spending on these things, and then really reassess your relationship with them and figure out where you are getting a worthwhile return on investment and where you are maybe upholding systems that are not good for you or anyone else.

So less than 2% of the world's population has naturally blonde hair. But around one-third of women in the West will bleach their way there. And to your point, roughly half of CEOs of S&P 500 companies, women CEOs, have blonde hair. Anyone who has ever bleached their hair, and Toby, I'm looking at you, babe. I know you know this struggle.

So less than 2% of the world's population has naturally blonde hair. But around one-third of women in the West will bleach their way there. And to your point, roughly half of CEOs of S&P 500 companies, women CEOs, have blonde hair. Anyone who has ever bleached their hair, and Toby, I'm looking at you, babe. I know you know this struggle.

So less than 2% of the world's population has naturally blonde hair. But around one-third of women in the West will bleach their way there. And to your point, roughly half of CEOs of S&P 500 companies, women CEOs, have blonde hair. Anyone who has ever bleached their hair, and Toby, I'm looking at you, babe. I know you know this struggle.

Knows. that this is a very impractical aesthetic choice. It is extremely time and capital intensive to have salon quality blonde hair. It requires a lot of upkeep. I had friends in college who dyed their hair blonde who were in a salon every seven weeks getting their roots touched up for hundreds of dollars.

Knows. that this is a very impractical aesthetic choice. It is extremely time and capital intensive to have salon quality blonde hair. It requires a lot of upkeep. I had friends in college who dyed their hair blonde who were in a salon every seven weeks getting their roots touched up for hundreds of dollars.

Knows. that this is a very impractical aesthetic choice. It is extremely time and capital intensive to have salon quality blonde hair. It requires a lot of upkeep. I had friends in college who dyed their hair blonde who were in a salon every seven weeks getting their roots touched up for hundreds of dollars.

So when you get highlights, as I have for many years, what you are really signaling, whether you realize it or not, is what you actually possess in absence of blonde hair, which is time and money. Now, this is how all modern beauty standards work. So it's not like blonde hair, the only place that we see this.

So when you get highlights, as I have for many years, what you are really signaling, whether you realize it or not, is what you actually possess in absence of blonde hair, which is time and money. Now, this is how all modern beauty standards work. So it's not like blonde hair, the only place that we see this.

So when you get highlights, as I have for many years, what you are really signaling, whether you realize it or not, is what you actually possess in absence of blonde hair, which is time and money. Now, this is how all modern beauty standards work. So it's not like blonde hair, the only place that we see this.

You can think about any popular trend and you can pretty much trace it back to these same factors. But it's a particularly pernicious one just because of how time and capital intensive it is. And so I find it to be quite an interesting example. And I made it kind of a focus in that chapter for that reason.

You can think about any popular trend and you can pretty much trace it back to these same factors. But it's a particularly pernicious one just because of how time and capital intensive it is. And so I find it to be quite an interesting example. And I made it kind of a focus in that chapter for that reason.

You can think about any popular trend and you can pretty much trace it back to these same factors. But it's a particularly pernicious one just because of how time and capital intensive it is. And so I find it to be quite an interesting example. And I made it kind of a focus in that chapter for that reason.

Totally. So let's start soothing first. If that is a feeling that you are experiencing, good news, you are the perfect candidate for getting really serious about your finances.

Totally. So let's start soothing first. If that is a feeling that you are experiencing, good news, you are the perfect candidate for getting really serious about your finances.

Totally. So let's start soothing first. If that is a feeling that you are experiencing, good news, you are the perfect candidate for getting really serious about your finances.