Escaping the Rat Race: What School Failed to Teach You About Money.
Summary
TLDREl script aborda la relación de las personas con el dinero, destacando el caso de Mike Tyson y la deuda de los estadounidenses. Expresa la importancia de comprender y gestionar adecuadamente el dinero, evitando el ostrich effect y la tendencia a gastar más de lo que se gana. Se enfatiza en la necesidad de equilibrar la producción y el consumo de valor, y de explorar formas de aumentar la producción de valor en la sociedad, ya sea a través de un negocio, un empleo o cualquier otro medio de producción. Finalmente, el script subraya la importancia de la autoconciencia y el desarrollo personal en la finanza personal.
Takeaways
- 💰 Mike Tyson, pese a haber acumulado más de 300 millones de dólares durante su carrera, declaró la bancarrota en 2003 con una deuda de 30 millones, lo que plantea una reflexión sobre la gestión del dinero y nuestras motivaciones para adquirirlo.
- 📈 La deuda de las tarjetas de crédito en Estados Unidos es históricamente alta, lo que refleja un problema de vulnerabilidad financiera en el país y en el Reino Unido.
- 💭 La percepción del dinero es a veces más crucial que la capacidad de generarlo, especialmente cuando nuestro cerebro está programado de una manera que nos impide ser financieramente sensatos.
- 🤔 El dinero se define comúnmente como un medio de intercambio, pero una mejor forma de verlo es como una expresión de valor, donde el dinero entregado en una transacción es proporcional al valor percibido del bien o servicio adquirido.
- 🔄 La relación con el dinero se puede expresar como producción versus consumo, donde el dinero entra en nuestras vidas debido a la producción de valor y sale cuando consumimos bienes o servicios.
- 📊 La balanza entre producción y consumo es crucial para determinar la salud financiera de una persona, y en muchos casos, el problema principal es el consumo excesivo.
- 🏃 La carrera ratón es una situación en la que una persona vive al borde financiero, constantemente a un paso de la insolvencia, lo que puede ser causado por un exceso de consumo.
- 🧠 La conciencia de su relación con el dinero comienza por llevar un registro de sus gastos mensuales y categorizarlos, lo que ayuda a entenderse a uno mismo como consumidor.
- 🛒 Vivir bajo sus medios significa tener un estilo de vida que le permite ahorrar e invertir en algo después de cubrir los gastos, lo que es fundamental para evitar la carrera ratón.
- 💼 Aumentar la producción de valor no necesariamente significa emprendimiento; puede ser a través de un empleo estándar, utilizando habilidades especiales o plataformas digitales para crear contenido de valor para el mercado.
- 📈 La internet ha proporcionado oportunidades para producir y vender en el mercado a gran escala, permitiendo a las personas maximizar sus ingresos y superar la carrera ratón.
Q & A
¿Qué problema plantea la situación de Mike Tyson con respecto a la gestión del dinero?
-La situación de Mike Tyson muestra que incluso al acumular una gran fortuna, la incapacidad para gestionar los ingresos y los gastos puede llevar a la bancarrota. Esto resalta la importancia de la gestión financiera y no solo la generación de ingresos.
¿Cuál es la relación entre el consumo y la producción en términos de la percepción del dinero?
-El dinero entra en nuestras vidas como resultado de la producción de valor, ya sea a través de un trabajo o cualquier otro medio de producción. A su vez, el dinero sale cuando consumimos bienes o servicios. La relación entre consumo y producción es crucial para entender la salud financiera de una persona.
¿Qué implica la afirmación de que el dinero es un medio de intercambio?
-El dinero se define comúnmente como un medio de intercambio, es decir, un instrumento que facilita la compra, venta o intercambio de bienes entre partes. Esto significa que su función principal es permitir que las transacciones económicas ocurran de manera eficiente y sencilla.
¿Por qué es importante entender que el dinero es una expresión de valor?
-Entender que el dinero es una expresión de valor ayuda a desmontar la noción de que el dinero en sí mismo es malo o inmoral. Esto nos permite enfocarnos en el valor que se crea y se intercambia, en lugar de juzgar la cantidad de dinero que una persona tiene o cómo lo utiliza.
¿Cuál es la relación entre el dinero y la moralidad de una persona?
-El dinero en sí mismo no es moral ni inmoral. La moralidad surge de las decisiones y elecciones que tomamos con el dinero. Si bien el dinero puede abrir opciones y ampliar horizontes, es la manera en que lo usamos lo que realmente define nuestra moralidad.
¿Qué es el efecto ostrich en la finanzas personales?
-El efecto ostrich en la finanzas personales se refiere a la tendencia de las personas a evitar la información financiera negativa. Por ejemplo, podría ser la evasión de revisar los estados de cuenta bancarios o de enfrentar la realidad de los gastos excesivos.
¿Qué es la hipérbole discounting y cómo afecta la toma de decisiones financieras?
-La hipérbole discounting es la tendencia a favorecer las recompensas a corto plazo en lugar de las recompensas mayores a largo plazo. Esto puede llevar a decisiones financieras poco prudentes, como gastar dinero en placeres inmediatos en lugar de ahorrar o invertir en el futuro.
¿Qué es la presión de la social proof y cómo influye en el consumo?
-La social proof es nuestra tendencia a pensar y actuar de acuerdo con lo que otros hacen. En términos de consumo, esto puede manifestarse en comprar cosas solo porque otros lo hacen, tratando de no ser menoscabados o impresionar a los demás, en lugar de basar las decisiones en las necesidades personales o las circunstancias financieras.
¿Qué sugiere el video sobre la importancia de tener un presupuesto?
-El video sugiere que tener un presupuesto es fundamental para controlar y gestionar nuestros gastos. Consiste en decidir cada mes cuánto se quiere gastar en cada categoría de gastos y adherirse a esos límites. Esto ayuda a vivir bajo nuestros medios y a evitar el gasto excesivo que podría llevar a una situación financiera precaria.
¿Por qué es recomendable mantener una cuenta de ahorros de emergencia?
-Mantener una cuenta de ahorros de emergencia es recomendable porque proporciona una seguridad financiera en caso de situaciones inesperadas, como la pérdida de un empleo, un accidente de trabajo o cualquier otro evento que requiera gastos inmediatos. Esta cuenta suele tener tres a seis meses de gastos y permite enfrentar estas situaciones sin tener que recurrir a deudas.
¿Qué papel puede desempeñar la internet en la producción de valor y la generación de ingresos?
-La internet ha proporcionado una gran cantidad de oportunidades para producir algo y ponerlo en el mercado. Puede ser a través de contenido de video, aplicaciones, software, negocios en línea o cualquier otro medio digital que genere valor para la sociedad y, por lo tanto, ingresos para el creador.
Outlines
💰 Mike Tyson's Bankruptcy: A Reflection on Money Management
Este párrafo explora el caso de Mike Tyson, un boxeador profesional y campeón de peso pesado, que en 2003 declaró la bancarrota a pesar de haber acumulado más de 300 millones de dólares a lo largo de su carrera. A pesar de sus ingresos significativos, Tyson quedó con una deuda de 30 millones de dólares. Esto sirve como punto de partida para una discusión más amplia sobre la relación entre el dinero y las acciones humanas, y cómo a menudo nuestra motivación para adquirir dinero choca con nuestra capacidad de gestionarlo. El guión también toca el tema de la deuda de tarjeta de crédito en Estados Unidos y cómo esto refleja una vulnerabilidad en la sociedad. Finalmente, se sugiere que la percepción del dinero puede ser tan importante como la habilidad para generar ingresos, especialmente cuando nuestra psicología puede influir en nuestras decisiones financieras.
💸 La Relación con el Dinero y la Producción vs. Consumo
Este párrafo se adentra en la discusión sobre la relación personal con el dinero y cómo esta se ve afectada por la producción y el consumo. Se hace referencia a un estudio que muestra que una gran cantidad de trabajadores estadounidenses viven de pago a pago, incluyendo a aquellos que ganan seis cifras al año. Se argumenta que el problema principal para la mayoría reside en el consumo, y se sugiere que arreglar la relación con el consumo debe ser la primera prioridad antes de abordar la producción. El guión también menciona el concepto de carrera ratón, que se asocia a menudo con trabajos de nueve a cinco, pero en realidad se refiere a vivir al borde financiero y la sensación de que el dinero desaparece tan pronto como se gana. Finalmente, se sugiere que la clave para mejorar la relación financiera es aumentar la conciencia sobre cómo se gasta el dinero y adoptar un presupuesto para controlar los gastos.
🛒 Entendiendo el Valor del Dinero y la Importancia de Ahorrar
Este segmento del guión enfatiza la importancia de entender el dinero como una expresión de valor y no como una entidad moral en sí misma. Se discute cómo el dinero se utiliza en transacciones diarias y cómo su valor se mide en términos de la percepción de valor por parte del consumidor. A pesar de que el precio puede ser determinado por el mercado y no por el individuo, el guión destaca la importancia de la equivalencia entre dinero y valor. También se menciona cómo el dinero puede abrir opciones y ampliar horizontes, pero las decisiones sobre cómo gastarlo son reflejo de la moral y disposición personal de cada individuo. Finalmente, se sugiere que el conocimiento sobre la relación entre consumo y producción puede ser una herramienta efectiva para mejorar la gestión personal del dinero.
🚀 Maximizando la Producción de Valor para Incrementar los Ingresos
Este párrafo se centra en la importancia de maximizar la producción de valor para aumentar los ingresos. Se discute cómo la mayoría de las personas obtienen ingresos a través de su trabajo, que es una forma de producir valor. Sin embargo, se argumenta que la producción de valor no se limita a un empleo tradicional y que puede incluir otras formas de contribuir al mercado, como ser un empresario, un creador de contenido en línea o un desarrollador de software. El guión también menciona la importancia de internet en proporcionar oportunidades para producir y vender a gran escala. Se enfatiza que la clave para aumentar los ingresos es entender cómo se puede producir valor en el mercado y cómo puede ser esa producción escalable para maximizar ganancias.
🎉 Conclusión: Enfoque en la Gestión del Dinero y el Valor Añadido
En este último párrafo, el guión resume los puntos clave que se han discutido anteriormente y enfatiza la importancia de tener una relación saludable con el dinero. Se agradece a los espectadores por su atención y se los anima a suscribirse y apoyar el canal si encuentran valor en el contenido. También se mencionan algunas recursos adicionales para el lector que deseen profundizar en temas de finanzas personales y emprendimiento. Finalmente, se cierra el video con una reflexión personal sobre cómo combinar la gestión del dinero y el emprendimiento ha sido beneficioso para el creador del contenido.
Mindmap
Keywords
💡Quiebre de bancarrota
💡Deuda de tarjeta de crédito
💡Valor
💡Relación con el dinero
💡Producción versus Consumo
💡Presupuesto
💡Fondos de emergencia
💡Hiperbolización de descuentos
💡Prueba de la sociedad
💡Ratón de la rueda
💡Emprendeduría
💡Internet
Highlights
In 2003, Mike Tyson, a professional boxer and heavyweight champion, filed for bankruptcy with $30 million in debt despite earning over $300 million during his career, highlighting the issue of money management.
The discussion poses a question about the nature of money and our motivations to acquire it, emphasizing the importance of managing it effectively.
Americans now hold the highest credit card debt in history, reflecting a broader issue with debt and financial vulnerability.
The video encourages viewers to consider their personal relationship with money and its role in their lives.
Money is defined as a medium of exchange, but the video suggests a deeper meaning, proposing that money is an expression of value.
The perception of money as having moral significance is challenged, with the argument that money is neutral and it's the使用者's choices that define its moral impact.
The video explores the concept of money as a measure of the value exchange in transactions, emphasizing the importance of understanding this relationship.
It discusses the impact of production and consumption on an individual's financial health, suggesting that a balance between these two aspects is crucial.
The video highlights the reality of living paycheck to paycheck and the dangers of relying solely on labor income without managing consumption effectively.
The concept of a 'rat race' is redefined as living on a financial edge, constantly struggling to maintain a lifestyle that is unsustainable.
The importance of having an emergency fund is emphasized as a part of responsible money management and planning for unexpected expenses.
Behavioral finance concepts, such as the ostrich effect, are discussed to illustrate common cognitive biases that can negatively affect financial decision-making.
The video addresses the issue of social proof and keeping up with the Joneses, which can lead to excessive consumption and financial strain.
The importance of understanding oneself as a consumer and producer is stressed, with the goal of aligning one's actions with their financial goals and values.
The video encourages viewers to explore different avenues of production, such as entrepreneurship or leveraging digital platforms, to increase their income and value creation.
The conclusion ties together the themes of the video, emphasizing the need for a balanced approach to money that includes both effective consumption and production strategies.
The video ends with a call to action for viewers to reflect on their relationship with money and to take steps towards improving their financial management and increasing their value production.
Transcripts
in 2003
professional boxer and heavyweight
champion mike tyson vowed for bankruptcy
with 30 million dollars in debt
despite accumulating over 300 million
dollars during the course of his career
which poses a great question about money
itself
because a great deal of our actions or
our motivations in life have an
underlying desire or need to acquire it
but what's the point in acquiring it if
the great issue seems to be with our
ability
to manage it
[Music]
americans now have the highest credit
card debt
in history translation
you didn't learn anything debt is an
invisible burden being carried by the
country's most vulnerable
of course these statistics are
reflective of the uk and the us
but consider for a moment your own
attitude towards money and how money
exists in your own life what is money to
you
does it seem to enter your life and
immediately leave once you have it
has it ever placed you in a vulnerable
position a vulnerability that drew you
closer to a get-rich-quick scheme
or a guru telling you that you can get
rich if you just bought their course
whilst my entire channel aims to tackle
these topics to some degree or another
i realize that our perceptions of money
are sometimes more crucial than our
ability to generate it
especially when our very brains are
wired in such a way that prevents us
from being financially
sensible does it really matter if you're
earning more than six figures a year
if by the end of that year you have
nothing left to show for it
where is the disconnect it's time we
solved that mystery
and not only that but explore a better
framework for understanding money
a framework commonly taught in personal
finance but oftentimes missed in formal
[Music]
education
a question what is money
or rather what does money represent when
you make a purchase from amazon when
you're paid for your time working a job
what is the significance of money in
these transactions money is commonly
defined as a medium of exchange
an instrument that facilitates the sale
purchase or trade of goods between
parties
but i don't think this says much about
what money actually represents
i think a better way of looking at money
is an expression of value
you hand over a certain amount of money
to purchase something because you
perceive its value to be equivalent to
the amount of money that you handed over
of course the price is often not
determined by you as an individual but
the market as a whole
but hone in on this one point money
equals
value why is that so important because
often we give money a moral significance
a quote that i'm sure you've heard money
is the root of
our evil we look at someone who seems to
have a large amount of wealth and think
they got lucky who did they take
advantage of to get to that position who
had to lose in order for them to gain
and never
what value was created in order to
generate that money understanding that
money is simply value is the best way to
understanding that money is not
necessarily
evil nor does it make a person evil sure
there are things such as scammers who
convince you that what they have to sell
is worth value
but that doesn't say much about money
more so than it does their own morals
money simply opens your options and
broadens your horizons
the choices you make with that money
have everything to do with your own
moral dispositions
so money is an expression of value now
what how does this change the reality of
a person living paycheck to paycheck or
someone who is consumed by
credit card debt the simple mention of
money equals value changes
nothing it may make me see money in a
different light but what part of that is
actionable advice to answer that
question i'll post you another question
what is your relationship with money
[Music]
money will come into your life and it
will leave this is a relationship that
is often expressed by your income and
expenses another practical way of
expressing this which i particularly
like
is your production versus your
consumption for the most part
money will enter your life because you
have produced some form of value and for
most of us this value will come in the
form of labor
a job money will leave when you have
consumed something
a netflix subscription a new car a house
in many ways we can look at the net
worth of an individual as a metric for
determining their relationship between
consumption
and production now cast your mind back
to those statistics
i mentioned at the start of this video
what part of the consumption versus
production relationship do you think
is at fault here consider yourself for a
moment think about all the money that
has entered your life
and left how much of that do you still
have in possession today or invested
into some sort of asset
and which part of this relationship do
you feel is unbalanced or needs
improving the likelihood is
both but for most of us the biggest
issue lies in our consumption
remember the career builder study that
found that 78 of american workers were
living paycheck to paycheck
well it also found that of the workers
who made a hundred thousand dollars or
more a year
one in ten of them were living paycheck
to paycheck now you could argue that
someone earning six figures a year may
still like to earn more
but when you are paid a figure that is
well above the average wage and the cost
of living and yet you still
somehow find a way to spend it all i'd
argue that your relationship with
consuming must be fixed before you even
consider your relationship with
production
as any wealthy celebrity who has filed
for bankruptcy can show us
production means nothing when you have a
problem with consumption
[Music]
a rat race an endless self-defeating or
pointless pursuit
sometimes the rat race is conflated with
working a nine-to-five job it's a
comparison often used by certain
individuals to guilt you into buying
programs and books for them but this
seems extremely unfair
mostly because it aims to villainize a
job and excludes the fact that there are
those who either love or are perfectly
fine with their jobs or have other
aspirations aside from their nine to
five
a real rat race is one that is living on
a financial edge
being one paycheck away from broke
constantly a feeling as though the
moment money enters your life
it immediately disappears and the more
responsibilities you have
the more dangerous this relationship
becomes the loss of a job
an unexpected health accident or any
unexpected circumstance for that matter
can throw your entire financial position
into turmoil and consider the mental
consequences of living on this financial
edge
your job no longer becomes an option it
becomes a necessity in order to keep
funding your lifestyle
or to keep paying off debt to quote
tyler durden from fight club
the things you own end up only you
what's the silver lining it doesn't have
to continue like that
the first stepping stone in personal
finance will have you drawing an
awareness to your relationship with
money
this is often done by journaling your
monthly expenses
categorized as housing transportation
food utilities entertainment and so on
it's about
understanding yourself as a consumer but
this part is tough
in behavioral finance this feeling can
often be labeled as the ostrich effect
which is our tendency to want to avoid
negative financial information it's that
feeling you get when you refuse
to look at your bank account after a
night out fearing what it might show and
yet once you pass this stage
it's time for you to take control over
your behavior as a consumer
this often involves the idea of
budgeting deciding each month how much
you aim to spend on each of these
categories and sticking to it it's about
systematically looking at what you
consume and finding ways in which you
can minimize these things to ultimately
live below your means in other words
having a lifestyle that still leaves you
with enough money to save and invest in
some form or another
it's also important to note that before
you ever decide to invest
one of the most common practices in
personal finance is to keep an emergency
fund
a specific amount of savings that you
hold onto in case of an emergency
this fund would typically hold three to
six months worth of expenses
the idea however of living below your
means is an important one
because why would we choose to do
otherwise why would we choose to live a
lifestyle that we cannot afford or one
that places us
on this financial edge i could make an
entire video on our cognitive biases the
ostrich effect is just one of which can
affect your financial position then
there's hyperbolic discounting
a tendency to favor short-term rewards
as opposed to greater rewards in the
future this is you choosing to purchase
a new pair of shoes instead of saving
that money towards a future investment
or their social proof
our tendency to think and act as others
around us think and act
when the people around you are buying
one thing you buy it too
or when the people around you establish
money as a means of evil you're likely
to assume the same thing too
the phrase keeping up with the joneses
summarizes this great problem of
consumption it's a phrase defined by
google as trying to emulate or not be
outdone by one's neighbors
they buy a new porsche you buy one too
they have nice clothes
you get some too they renovate their
home you do it too all in the attempt of
impressing or trying to keep up with
others due to some form of social
pressure only in today's world the
joneses
are not literal neighbors they're far
more present than that
we are all vulnerable to social approval
we really care
what other people think of us but the
problem is
we're measuring our self-worth by how
many people
like what we're posting governor of the
bank of canada stated it's succinctly
for most canadians debt is a fact of
life
at least at some point
[Music]
to be clear i'm not saying that
purchasing an expensive piece of
clothing
jewelry or sports car is a bad thing nor
do i think consuming is a bad thing the
aim of this video isn't to philosophize
about the repercussions of a
materialistic view of the world
it's about drawing an awareness to who
you are as a consumer
do you care more about appearing as
though you have money or actually having
money
the rat race isn't about working a
nine-to-five job
but living life on such an edge that it
means that you are chasing the next
thing whether a paycheck or a material
possession
such that your greater life goals and
ambitions are placed in the background
in order to continue this race
a budget and keeping account of your
expenses have proven time and time again
to work and draw you out of this race
it's fun to talk about making money or
imagining having as much wealth as
possible but what's the point when your
relationship with money as a consumer
means losing it all or having to work
non-stop in order to fund that lifestyle
that is the real rat race but with all
of that being said
let's talk about making money
now the stuff we teach here and have for
almost 30 years
is proven what's up you guys it's graham
here so we got to take a moment and talk
about what's going on in the stock
market because as we're finishing up the
week
stocks personal finance channels like
graham stefan or dave ramsey are great
for learning how to work on your
consumption side of the equation but if
there was one thing i wish they spoke
more about
it would be their ability to make money
and i understand why they don't do this
it's easier to reduce your expenses in
the amount that you consume than it is
to increase your income
when speaking to a mass audience giving
the advice that will work for most
people is typically the best choice
we see that there are entire communities
built up around focusing on frugality
the fire community is one example of
this a movement that adopts the strategy
of living extremely frugally
saving and investing as early as
possible with the intentions of retiring
as early as possible
minimalists also share a similar view to
the fire community although
more deep-rooted in philosophical
positions about the world and
materialism at large
people like graham steffen or dave
ramsey promote strategies that fall in
the spectrum of living frugally saving a
lot of money and investing in the long
run
and there's nothing inherently wrong
with this strategy it works for a wider
range of people with varying degrees of
income
but let's be honest graeme stefan
doesn't rely on cutting coupons or
living an incredibly frugal lifestyle to
be making a hundred to two hundred
thousand dollars a month
from youtube nor does dave ramsey rely
on these strategies to have an estimated
net worth of 55 million dollars
these people are utilizing a means of
production at mass scale
in my video the untold truth about money
i talked about money being equivalent to
your perceived value in the market and
the most impactful way of increasing
your value is finding a problem in the
market
creating a solution for that problem and
selling that solution to the market at
scale
this is the entrepreneurial route a
successful business at scale
is able to produce a large amount of
value to a society such that your
production side of the equation grows
exponentially in comparison to a
standard job
but this isn't a route that everyone can
take nor should they try to
it's about reflecting on your own
capabilities and whether
entrepreneurship is best suited to your
direction
with that being said increasing your
production doesn't have to just come
from the strict definition of a business
graeme stefan uses youtube as a vehicle
to produce something
in this case videos about personal
finance at mass scale
it's one reason that i chose to create
videos on youtube as well
it's a vehicle to produce something in
this case documentary style videos at a
mass scale
to a point where i can now do it full
time and build a business around it
producing is about providing relative
value to the market in some shape or
form i utilized my skills with acting
presenting storytelling and video
editing to create videos that i hope to
be somewhat entertaining and educational
and thankfully the market responded
positively your form of production may
be developing an
app or software that is solving a
problem you believe the market would pay
money for its solution
or perhaps a fitness brand that is
branded extremely well and utilizes its
community better than most other fitness
brands as i believe is the case with ben
francis and what he did with gymshark
for most people labour in the form of a
standard 9-5 job will be their means of
production
but this doesn't mean that your ability
to produce stops there
understanding yourself as a producer is
about understanding ways in which you
can produce value to the market
if you can produce value at a large
scale then it means earning money
at a large scale the internet has
thankfully provided a great deal of
opportunity for us to be able to produce
something and put it out to the market
whether the market actually wants what
you have produced can only be determined
once you've released whatever it is that
you've produced
so to summarize it's first important to
bring awareness to yourself
as a consumer understanding what you
purchase and why you purchase by
journaling your consumption and then
giving yourself a budget to manage and
control that consumption producing then
becomes a matter of maximizing the
amount of value you can bring into
society
through a job a business or some other
means of production
this is a framework that has helped me
greatly as i'm sure it's helped
countless others who have a vested
interest in making money
like this isn't just sushi we're talking
about anymore like this is this is
substantial
yeah and then to go from that to like
this focusing
is that 170 454 dollars yeah
that's insane
hello hello my friends before you click
off the video just yet i want to say one
thing thank you
so much for watching to the end of this
video you watching to this point is
hopefully proof that i've provided some
kind of value to you in some way or
another so
be sure to hit the like button and if
you want to see more videos around the
topics of
business money finance in general then
be sure to hit the subscribe button i've
also got a patreon where i post behind
the scenes stuff and i do
questions and answers and i've got a
bunch of other exciting plans for it so
if that interests you and you'd like to
support the channel further do check it
out the link is in the description below
now for me personally combining what i
know about personal finance
and entrepreneurship has really helped
me the most and as i mentioned
this youtube channel was one way in
which i knew i could produce some kind
of value
into the market at scale if you want to
do more extra reading on these subjects
if it interests you there's two really
good books
on personal finance related stuff the
millionaire next door
and your money or your life these are
really good personal finance books
and of course if you know me you know i
really love
mj demarco's work so check them out if
you want to also see the
entrepreneurship side of stuff but with
all of that being said my friends i hope
you have a wonderful rest of the day
i will catch you in the next video or on
my instagram or twitter if you have me
on there
as usual hands ahead salute
too many days is yet to come
too many times has come to pass
too many moments put aside
getting out alive
getting out of
letters in the sand
استعرض المزيد من الفيديوهات ذات الصلة
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