Steven

And not a single of those people looking back in those situations on their deathbed when they're 90 years old will look back and say, I wish I worked harder. But virtually every one of them will say, I wish I spent more time with my kids. I wish I spent more time with my family. I wish I was nicer to myself. I wish I'd let myself be who I actually was.

And not a single of those people looking back in those situations on their deathbed when they're 90 years old will look back and say, I wish I worked harder. But virtually every one of them will say, I wish I spent more time with my kids. I wish I spent more time with my family. I wish I was nicer to myself. I wish I'd let myself be who I actually was.

And this gets back to the Chuck Feeney idea of the billionaire who said, I want to live my way. Like being independent is so core to people's happiness. And as I said earlier, like we come from different backgrounds, we have different aspirations, but independence is a very human, natural, universal aspiration to be able to live life in your own way.

And this gets back to the Chuck Feeney idea of the billionaire who said, I want to live my way. Like being independent is so core to people's happiness. And as I said earlier, like we come from different backgrounds, we have different aspirations, but independence is a very human, natural, universal aspiration to be able to live life in your own way.

It's difficult because it's likely that the mindset and psychology that got you there is going to be very difficult to break, extremely difficult to break. I heard this statistic one time. This is a completely different topic, but I think this applies to a lot of things, that the statistic that is most predictive on whether you will cheat on your spouse

It's difficult because it's likely that the mindset and psychology that got you there is going to be very difficult to break, extremely difficult to break. I heard this statistic one time. This is a completely different topic, but I think this applies to a lot of things, that the statistic that is most predictive on whether you will cheat on your spouse

is how many people you slept with before you got married. The implication being it's very difficult to just flip a switch and say, I'm a different person now. And I think that idea can apply to a lot of different things in life. And the psychology of I spend way more than I make and I don't care about money and debt, debt, debt. Some people can wake up one day and say, no more of that.

is how many people you slept with before you got married. The implication being it's very difficult to just flip a switch and say, I'm a different person now. And I think that idea can apply to a lot of different things in life. And the psychology of I spend way more than I make and I don't care about money and debt, debt, debt. Some people can wake up one day and say, no more of that.

I'm going to run in the other way. A lot of people find it very difficult to do. I think one of the hard things about money It's hard to admit for a lot of people, but there's truth to it, is that on the nature nurture spectrum, a lot of it does lean towards nature, that some people are just wired.

I'm going to run in the other way. A lot of people find it very difficult to do. I think one of the hard things about money It's hard to admit for a lot of people, but there's truth to it, is that on the nature nurture spectrum, a lot of it does lean towards nature, that some people are just wired.

Your brother was wired to plan and save, and you were wired to take entrepreneurial risks in maybe a way that he wasn't. And so a lot of it is, yes, you can learn. Yes, you can learn from others and learn new ideas to think about, but we shouldn't pretend that we can fundamentally rewire who we are.

Your brother was wired to plan and save, and you were wired to take entrepreneurial risks in maybe a way that he wasn't. And so a lot of it is, yes, you can learn. Yes, you can learn from others and learn new ideas to think about, but we shouldn't pretend that we can fundamentally rewire who we are.

I think if you view savings as I need to save for something in the future, that's hard for people to do. If you have a little bit of a mindset shift and say, I'm going to save so I can become more independent so that if I lose my job, I don't have to panic and go find the first one that's available. I can take my time and find another one. That's independence.

I think if you view savings as I need to save for something in the future, that's hard for people to do. If you have a little bit of a mindset shift and say, I'm going to save so I can become more independent so that if I lose my job, I don't have to panic and go find the first one that's available. I can take my time and find another one. That's independence.

If you have a medical emergency, you're going to have some options on how to treat it and where to go. That's independence. Viewing every dollar that you save as a token of independence, I think is a mindset shift that makes it a lot easier for people to do versus if they're just saying, I need to save to buy a new car.

If you have a medical emergency, you're going to have some options on how to treat it and where to go. That's independence. Viewing every dollar that you save as a token of independence, I think is a mindset shift that makes it a lot easier for people to do versus if they're just saying, I need to save to buy a new car.

Yeah.

Yeah.

Now, they might be asking, like, what to do with my savings. Do I put it in a checking account? Do I put it in a savings account? Do I invest it? That might be part of it. Or it might be as similar as they're saying with tariffs. People genuinely don't know what it means.

Now, they might be asking, like, what to do with my savings. Do I put it in a checking account? Do I put it in a savings account? Do I invest it? That might be part of it. Or it might be as similar as they're saying with tariffs. People genuinely don't know what it means.