Michael Smoak

Not enough to really...

obvious meme, I guess, if you've been in the personal development world for a while.

I haven't seen it fully sort of break through.

And the idea that glass half full versus half empty is a pretty sort of cliche way to think about it.

just assuming that it's okay, things will get better.

I can take the risk.

I can spend the money.

I can treat myself.

I can give myself time off.

I can permit myself to attempt this thing that I don't know whether or not it's going to go well.

Just assume that things are going to go well.

And it's a particular type of advice for a particular type of person that

maybe many, perhaps even most people actually need the opposite advice.

They need to be told to pump the brakes on their risk tolerance.

There is a big subset of people, I'm going to guess, at the very least like me, perhaps like you,

who need the opposite piece of advice.

I needed to read Die With Zero by Bill Perkins, because otherwise I would have just been scrimping and saving.

There's a difference between misers and spenders.

And unfortunately, I fell into the camp of I'd never had money.

So I thought, well, now I've got it, I should hold onto it.