How to Start Thinking Long-Term with Money

Do you constantly find yourself saying "I'm only young once" or "I'll figure out how to make more money later" or any other combination of short-term, in the moment justifications for bad spending behavior? While the last thing I'd want to do is kill your vibe, the money coach in me needs you to start thinking long-term with money! Instead of letting YOLO ("you only live once") be your driving mantra behind spending, learn to accommodate your future self as well. It won't happen overnight, but you can train your brain to think long-term with money. In this episode, I'm sharing 5 ways you can start that training process today.   Here's a glance at this episode: [02:06] If you want to start thinking long-term with money, you have to visualize your life in the future. What do you want your life to look like? [04:49] If mental health is impacting your finances, you're not alone. There are solutions. Raya recommends an episode with a client who shares how mental health impacts her finances. [09:08] Give yourself some grace when you first start out with delayed gratification, intentionality, and mindful spending.  [11:51] Raya shares an example of how a past-time with her mom of visiting discount stores caused unplanned spending. [15:30] Get into the habit of always going back to your why. It doesn't have to be a defense mechanism, but can serve as a motivator.   Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select "Write a Review." Then be sure to let me know what you loved most about the episode! Also, please make sure you're subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!   Resources mentioned in this episode: Listen to CGS Podcast Episode 38 – Money and Mental Health Listen to CGS Podcast Episode 37 – How Practicing Delayed Gratification Sets You Up for Financial Success Learn about Raya's Financial Focus Coaching Program Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter!

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