Mellody Hobson

Like literally people with no income and this idea that those people who had some emergency savings, it made a difference. So first save to have the emergency money, then start putting money in your 401k plan at work. And every year make a commitment that you increase it. Every time I got a raise, I raised the amount I saved.

Like literally people with no income and this idea that those people who had some emergency savings, it made a difference. So first save to have the emergency money, then start putting money in your 401k plan at work. And every year make a commitment that you increase it. Every time I got a raise, I raised the amount I saved.

You don't have to live in fear. You can take control of your life when it comes to money, even if you feel strapped. I've met people from every single walk of life, from... poverty and welfare to billionaire. And at every level, I found some level of waste when it comes to money. Some level. And it could be bottled water.

You don't have to live in fear. You can take control of your life when it comes to money, even if you feel strapped. I've met people from every single walk of life, from... poverty and welfare to billionaire. And at every level, I found some level of waste when it comes to money. Some level. And it could be bottled water.

You don't have to live in fear. You can take control of your life when it comes to money, even if you feel strapped. I've met people from every single walk of life, from... poverty and welfare to billionaire. And at every level, I found some level of waste when it comes to money. Some level. And it could be bottled water.

It could be, you know, where I'm like, if you could just pull that back, where on the margins can you get yourself in better financial shape? I remember when I was a kid, we would go to the newsstand. We loved magazines. Think about how much money you can spend on magazines. you know, we would have been better off going to the library. The magazines would have been there.

It could be, you know, where I'm like, if you could just pull that back, where on the margins can you get yourself in better financial shape? I remember when I was a kid, we would go to the newsstand. We loved magazines. Think about how much money you can spend on magazines. you know, we would have been better off going to the library. The magazines would have been there.

It could be, you know, where I'm like, if you could just pull that back, where on the margins can you get yourself in better financial shape? I remember when I was a kid, we would go to the newsstand. We loved magazines. Think about how much money you can spend on magazines. you know, we would have been better off going to the library. The magazines would have been there.

So those would be the examples of thinking through on the margins how you're living your life and how can you take control and take the fear out of this. The only way you can truly take the fear out is to have knowledge. The only way you can truly have knowledge is to read and ask questions. There's no way anyone should know this because I said we didn't learn about it in school. No, we didn't.

So those would be the examples of thinking through on the margins how you're living your life and how can you take control and take the fear out of this. The only way you can truly take the fear out is to have knowledge. The only way you can truly have knowledge is to read and ask questions. There's no way anyone should know this because I said we didn't learn about it in school. No, we didn't.

So those would be the examples of thinking through on the margins how you're living your life and how can you take control and take the fear out of this. The only way you can truly take the fear out is to have knowledge. The only way you can truly have knowledge is to read and ask questions. There's no way anyone should know this because I said we didn't learn about it in school. No, we didn't.

So unless you grew up in a family where the stock market and money is discussed. That's right. And when people talk about personal finance, I push back because that's not being financially literate. I'm not talking about how to write a check or how to read a utility bill.

So unless you grew up in a family where the stock market and money is discussed. That's right. And when people talk about personal finance, I push back because that's not being financially literate. I'm not talking about how to write a check or how to read a utility bill.

So unless you grew up in a family where the stock market and money is discussed. That's right. And when people talk about personal finance, I push back because that's not being financially literate. I'm not talking about how to write a check or how to read a utility bill.

I'm talking about how to think about things like compounding, how to make sure you're not walking away from free money in that 401k plan, how to make sure that you're thinking about the long term. All of those things, they can be learned and you can teach it to yourself, but you have to make the commitment to do so.

I'm talking about how to think about things like compounding, how to make sure you're not walking away from free money in that 401k plan, how to make sure that you're thinking about the long term. All of those things, they can be learned and you can teach it to yourself, but you have to make the commitment to do so.

I'm talking about how to think about things like compounding, how to make sure you're not walking away from free money in that 401k plan, how to make sure that you're thinking about the long term. All of those things, they can be learned and you can teach it to yourself, but you have to make the commitment to do so.

Thank you so much for having me and for being the most amazing person that you have always been. Thank you. Thank you. Thank you.

Thank you so much for having me and for being the most amazing person that you have always been. Thank you. Thank you. Thank you.

Thank you so much for having me and for being the most amazing person that you have always been. Thank you. Thank you. Thank you.