Steven

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.

Yeah. And this, I think that those questions, they're not bad questions. There's no, there's no bad questions. I was asking those questions at one point in my life too. But it gets to the point of like, you have an obligation to understand how money works and what it's going to do to you and how to manage it. It's not a nice to have.

Yeah. And this, I think that those questions, they're not bad questions. There's no, there's no bad questions. I was asking those questions at one point in my life too. But it gets to the point of like, you have an obligation to understand how money works and what it's going to do to you and how to manage it. It's not a nice to have.

Everyone's going to have to deal with these topics, whether they like it or not.

Everyone's going to have to deal with these topics, whether they like it or not.

Yeah. I think you get there when you realize nobody's looking at you as much as you are, and nobody cares about your Range Rover and your Rolex as much as you did. They may have meant a lot to you, But no one else was thinking about them that much because they were busy thinking about themselves. They were busy thinking about their own car.

Yeah. I think you get there when you realize nobody's looking at you as much as you are, and nobody cares about your Range Rover and your Rolex as much as you did. They may have meant a lot to you, But no one else was thinking about them that much because they were busy thinking about themselves. They were busy thinking about their own car.

And you realize how much modern spending, and this has increased in the social media age the last 10 or 15 years, is trying to get strangers' attention. It's trying to put on a show, put on a performance for people that you think are paying attention to you, but they're absolutely not. They're not paying any attention to you whatsoever.