These 7 Money Habits Keep You Stuck
Summary
TLDREl video ofrece una visión profunda de las siete malas hábitos financieros más comunes que impiden la acumulación de riqueza. Incluye consejos prácticos para transformar estos hábitos en comportamientos positivos. Empieza con la ignorancia hacia el dinero, pasando por la tendencia a hacer preguntas insignificantes en lugar de enfocar en decisiones importantes, como las tarifas de inversiones y la negociación salarial. Se aborda la actitud defensiva frente a la gestión de la cartera y la importancia de desafiar los scripts invisibles arraigados en la psique. Además, se enfatiza la necesidad de establecer metas específicas y realistas, en lugar de objetivos genéricos, y la importancia de tener un plan de gastos consciente que permita ahorrar y invertir automáticamente, al tiempo que se permite un gasto libre y consciente. Finalmente, se desafía la mentalidad de escasez y se motiva a adoptar una mentalidad de crecimiento para usar el dinero como herramienta para vivir una vida rica y plena.
Takeaways
- 💼 **Ignorar el dinero**: Ignorar la situación financiera crítica, como la deuda de tarjetas de crédito, puede costar mucho y no llevará a una vida rica.
- 📈 **Invertir en lugar de solo ahorrar**: Invertir un 5% a 10% de los ingresos automáticamente es donde se crea verdadera riqueza.
- 💰 **Preguntas importantes**: En lugar de preocuparse por pequeños gastos, enfocar en áreas que tengan un gran impacto financiero, como tarifas de inversiones y negociación salarial.
- 🚫 **No jugar a la defensiva**: No obsesionarse con las fluctuaciones del mercado, en lugar de eso, establecer un sistema financiero sólido y actuar con proactividad.
- 🧠 **Desafiar scripts invisibles**: Reconocer y cuestionar creencias internas profundamente arraigadas sobre el dinero que pueden limitar nuestras acciones.
- 🏡 **Comprometerse con metas específicas**: Establecer metas SMART (específicas, medibles, alcanzables, relevantes y orientadas a plazos) en lugar de metas genéricas.
- 📊 **Gastar con un plan**: Diseñar un plan de gasto consciente que incluya costos fijos, inversiones, ahorros y un presupuesto para el gasto libre y libre de culpa.
- 🌊 **Eliminar la mentalidad de escasez**: Adoptar una mentalidad de crecimiento y usar el dinero para vivir una vida rica en lugar de acumularlo.
- 📉 **Eliminar la deuda de tarjetas de crédito**: Crear un plan de pago de deuda para tener una fecha definitiva de pago y pagarlas agresivamente.
- 🤔 **Preguntarse por qué**: Cuestionar y comprender las razones detrás de nuestras creencias y comportamientos con respecto al dinero.
- 📈 **Enfoque en el crecimiento**: En lugar de centrarse en cortar pequeños gastos, enfocarse en las decisiones y acciones que pueden tener un mayor impacto en la construcción de riqueza a largo plazo.
Q & A
¿Por qué es una mala decisión financiera ignorar el dinero?
-Ignorar el dinero es una mala decisión financiera porque puede llevar a que se ignoren deudas críticas como las de tarjetas de crédito o a la falta de inversiones, lo que a largo plazo puede costar mucho dinero y no conducir a una vida rica.
¿Qué sugiere hacer para pagar la deuda de tarjeta de crédito?
-Se sugiere crear un plan de pago de deuda que incluya un mes y año específico para cuando se pagará la deuda. Pagar la tarjeta de crédito de manera agresiva, incluso con un extra de $100 al mes, puede reducir meses o años de la deuda.
¿Por qué es importante invertir al menos el 5% a 10% de los ingresos?
-Invertir al menos el 5% a 10% de los ingresos es importante porque es en la inversión donde se crea verdadera riqueza a largo plazo, y muchos se centran en recortar pequeños gastos en lugar de ver el potencial de ganancias a través de la inversión.
¿Cuál es el segundo hábito financiero malo mencionado en el video y cómo afecta a las finanzas a largo plazo?
-El segundo hábito financiero malo es hacer preguntas de $3 en lugar de $30,000. Esto afecta negativamente las finanzas a largo plazo porque se enfoca en ahorros insignificantes en lugar de en áreas que podrían tener un mayor impacto, como los costos de inversiones o la negociación salarial.
¿Por qué no se recomienda preocuparse por eventos fuera de nuestro control como las decisiones de la Reserva Federal?
-No se recomienda preocuparse por eventos fuera de nuestro control porque no podemos influir en ellos y preocuparse por ellos puede hacer que se ignoren las cosas que realmente podemos controlar y afectar, como la inversión y la gestión de la deuda.
¿Qué se entiende por 'jugar defensivamente' con el dinero?
-Jugar defensivamente con el dinero implica centrarse en evitar pérdidas en lugar de buscar oportunidades para aumentar el patrimonio. Esto puede llevar a una actitud de miedo y a menudo se ve en personas que revisan sus cuentas diariamente y se preocupan por eventos fuera de su control.
¿Cuáles son los 'scripts invisibles' y cómo afectan nuestras actitudes y comportamientos financieros?
-Los 'scripts invisibles' son creencias profundamente arraigadas que no somos conscientes de que nos guían. Estos pueden convertirse en trampas psicológicas que nos impiden avanzar financieramente. Es importante reconocer y cuestionar estas creencias para poder cambiarlos.
¿Por qué es importante tener metas específicas en lugar de metas genéricas?
-Tener metas específicas es importante porque proporciona una definición clara del éxito y permite un mejor seguimiento del progreso. Las metas genéricas pueden ser más dañinas que no tener metas, ya que pueden llevar a la frustración y a la falta de confianza en uno mismo al no cumplirse.
¿Qué es el 'Plan de Gasto Consciente' y cómo ayuda a manejar las finanzas?
-El 'Plan de Gasto Consciente' es una estrategia que divide los ingresos en cuatro categorías principales: costos fijos, inversiones, ahorros y gasto libre sin culpa. Ayuda a manejar las finanzas al establecer prioridades y a planificar los gastos de manera intencional.
¿Cómo afecta la mentalidad de escasez la forma en que gastamos dinero?
-La mentalidad de escasez puede hacer que las personas se sientan que nunca podrán permitirse cosas o que el gasto en ciertos artículos es un desperdicio. Esto puede impedir el disfrute de la vida y la capacidad de usar el dinero para vivir una vida rica.
¿Qué se entiende por 'jugar ofensivamente' con el dinero y por qué es beneficioso?
-Jugar ofensivamente con el dinero implica usar el dinero para buscar oportunidades de crecimiento y mejora de la calidad de vida en lugar de solo protegerlo. Es beneficioso porque permite a las personas disfrutar de sus recursos financieros y vivir una vida más rica y satisfactoria.
Outlines
💰 Hábitos financieros que te impiden acumular riqueza
Este primer párrafo aborda la importancia de la psicología financiera y cómo nuestras creencias sobre el dinero afectan nuestra capacidad para acumular riqueza. Se mencionan siete hábitos financieros comunes que limitan nuestras finanzas y se ofrecen soluciones para cambiarlos. Se enfatiza la necesidad de no ignorar nuestras finanzas y de actuar en lugar de esperar un 'día de mañana' para mejorar nuestras situaciones económicas. Se sugiere crear un plan para saldar la deuda y ahorrar un mínimo del 5 al 10% de nuestros ingresos para la inversión.
💵 Preguntas de $3 en lugar de $30,000
El segundo párrafo se enfoca en la idea de que preocuparse por pequeños gastos diarios no cambiará significativamente nuestras finanzas a largo plazo. En lugar de eso, se recomienda centrarse en 'grandes ganancias' como los costos de inversión y la negociación salarial, que pueden tener un impacto sustancial en nuestra riqueza. Se argumenta que una vez que se resuelven estos aspectos, los pequeños gastos cotidianos no son tan importantes.
🚧 Jugar a la defensa con tu dinero
Este apartado discute cómo preocuparse por eventos financieros fuera de nuestro control, como las decisiones de la Reserva Federal, puede llevar a malgastar tiempo y energía. Se sugiere en su lugar enfocarse en áreas que uno puede controlar, como establecer un sistema financiero que permita vivir una vida riqueza sin preocuparse constantemente por las finanzas. Se desalienta el uso de aplicaciones financieras que promuevan la obsesión por las inversiones diarias.
🏡 Scripts invisibles y objetivos genéricos
El cuarto párrafo explora las 'scripts invisibles', es decir, creencias arraigadas que afectan nuestro comportamiento financiero sin que nos demos cuenta. Se mencionan ejemplos de estas creencias y se anima a cuestionarlas y a reinventarlas para mejorar nuestras finanzas. Además, se critica la tendencia a fijar objetivos financieros genéricos y se sugiere en su lugar establecer metas SMART (específicas, medibles, alcanzables, relevantes y orientadas a plazos).
📈 Metas genéricas frente a objetivos SMART
Se hace hincapié en la necesidad de establecer objetivos financieros específicos y medibles en lugar de metas vagas. Se proporciona un ejemplo de cómo transformar una meta genérica en una SMART, destacando la importancia de definir清楚 lo que se quiere lograr, cuándo y cómo. Además, se discute la importancia de tener un plan de gastos consciente que incluya inversiones, ahorros y un presupuesto para el gasto libre sin remordimientos.
💳 Gastos sin planificación y mentalidad de escasez
El sexto párrafo aborda el tema de la planificación de gastos y cómo la falta de un plan puede llevar a sentir que gastar dinero es malo. Se presenta el 'Plan de Gastos Consciente', que incluye cuadros para distribuir el dinero en gastos fijos, inversiones, ahorros y gasto libre. Se argumenta que seguir este plan permite ahorrar e invertir de manera automática y disfrutar de la vida sin remordimientos. El último hábito mencionado es tener una mentalidad de escasez, que se debe reemplazar por una mentalidad de crecimiento y usar el dinero para vivir una vida rica.
Mindmap
Keywords
💡Hábitos financieros
💡Mente abierta
💡Planificación de la deuda
💡Inversiones automáticas
💡Preguntas de dinero
💡Juego defensivo con el dinero
💡Guiones internos
💡Metas genéricas
💡Gasto consciente
💡Mente de escasez
💡Metas SMART
Highlights
Ignoring money is one of the worst financial decisions you can make.
Creating a debt payoff plan can help you know exactly when your debt will be gone.
Most credit cards charge high interest rates, so paying off aggressively can save you time and money.
Investing a minimum of 5-10% of your income can lead to true wealth creation.
Focusing on small expenses while ignoring investment opportunities is not a good financial strategy.
Asking $3 questions instead of $30,000 questions can limit your financial growth.
Investment fees and salary negotiations are areas where you can achieve significant financial wins.
Playing defense with your money by constantly checking accounts can lead to stress and missed opportunities.
Following invisible scripts, or deeply embedded beliefs about money, can be a psychological trap.
Writing down and interrogating your money beliefs can help you decide which scripts to follow or reinvent.
Having generic goals can be worse than not setting goals at all.
SMART goals are specific, measurable, attainable, relevant, and time-oriented.
Spending without a plan can lead to feelings of guilt and a lack of financial control.
The Conscious Spending Plan helps you allocate money into fixed costs, investments, savings, and guilt-free spending.
Having a scarcity mindset can prevent you from enjoying the benefits of your wealth.
Adopting a growth mentality allows you to use money to live a rich life.
Identifying and changing common money habits can lead to significant improvements in your financial life.
Transcripts
what money habits do you have right now
that are keeping you from Building
Wealth you see a lot of living a rich
life boils down to your money psychology
and what you believe about money and
you're going to be amazed at how fast
your financial life can change once you
change your mindsets and your money
Behavior so in this video I'm going to
break down the seven most common money
habits holding you back and what to do
instead starting with bad habit number
one ignoring money this is one of the
worst Financial decisions you can make
and I'm not exaggerating because most of
us ignore the critical fires happening
in our financial life whether it's
ignoring your credit card debt or simply
not investing because you're waiting for
someday to start investing in action is
costing you dearly and someday will not
lead to your rich life for example if
you have credit card debt my wish for
you is that you create a debt payoff
plan so you know the exact month and
year that your debt will be gone it
feels so good to know even if it's 3
years or 30 years it feels so good to
know exactly when there's going to be a
light at the end of the tunnel remember
most credit cards charge 22 26 even 28%
interest rates so paying off these
credit cards aggressively even with an
extra $100 a month can shave off months
sometimes years of your debt and it's
not just credit card debt it's also
investing my wish for you is that you
Take 5 to 10% of your income minimum and
set up automatic investing that is where
true wealth is created and too many of
us focus on cutting back on $5 coffees
while ignoring how much we could be
making by investing so whatever you do
please do not put your head in the sand
and ignore your finances if you're
watching this video that's already a
step in the right direction so let's
move on to bad habit number two asking
$3 questions not $30,000 ones I see so
many people who are stressed about money
and their reaction is to try to cut back
a little bit in every single area of
Life they follow this financial advice
cut back on your lattes cut back on the
amount of lettuce you buy cut back on
how many rubber bands you buy it's a
horrible way to live and it actually
does not really change your finances
whatsoever over the long term if this
sounds like you if you are obsessed and
agonized over $3 questions there is a
better way I want you to focus on the
areas that will make you the biggest
impact what I call the big wins and
there are a few big wins in life where
if you simply get those right you almost
never have to worry about the Small
Things those 5 to 10 big wins are worth
way more than all the next 50 little
things you can do so what are the big
wins in your financial life well first
investment fees a lot of people have a
financial advisor and they don't even
know how much that advisor costs if your
adviser is charging you 1% AUM or assets
under management that means that you're
losing about 28% of your lifetime
returns in fees that is a lot of money
tens of thousands of dollars sometimes
hundreds of thousands of dollars so
investment fees are one area where you
can achieve a big win next up
negotiating your salary a lot of people
simply take what's given to them they
never negotiate now if you negotiate one
single $5,000 raise in your 20s that can
be worth hundreds of thousands of
dollars over your lifetime but that can
be true in your 30s 40s and Beyond you
can take part of that money and invest
it you can take the rest of it and spend
it on something you love my point to you
is I want you to stop thinking about $3
questions and really start thinking
about
$330,000 questions these are the
questions like paying off your debt
aggressively that pay huge and once you
get those right you never need to worry
about $3 questions anymore next up bad
habit number three playing defense with
your money I get emails from people who
are worried about what the FED is going
to do uh is my investment going to
return 7% or 7.1% what do you think
about I go you can't control this so why
are you worrying about it and what's
even worse because they spend time
worrying about things that are
uncontrollable they neglect things that
they actually can influence one of the
major red flags I see from Warriors is
they log into their accounts daily oh I
need to check make sure my bills got
paid oh did this happen what about that
what's the market say the FED what are
you say stop it I don't even have
financial apps on my phone and you
shouldn't either what reason is there to
be logging into your accounts every day
if you've set your money up
automatically you don't need to do that
what this tells me if someone has an app
that they log into every day is number
one they don't feel in control of their
money number two they don't have a
financial system in place and number
three most importantly they are obsessed
with the manuver IA they're playing
small and they're playing defense with
their money to tell you the blunt truth
checking your bills every single day is
not going to lead to your rich life that
is too small for you to be focusing on
and frankly a computer can do that
better than you ever could and I simply
reject the premise that money is
something you should feel bad about or
stressed about every single day that's
not the point of money yes you should
save and invest and pay off your debt
but yes you should also use your money
to live a rich life today guilt-free and
to do that you have to play offense with
your money when you have a proper
financial system there is no reason to
log into your accounts daily which
brings me to bad habit number four
following invisible scripts invisible
scripts are beliefs that are so deeply
embedded in us that we don't even
realize they guide our attitude or
behaviors and over time these scripts
can become dangerous psychological traps
that hold us back let me show you an
example of an invisible script in
America you should buy a house because
you're throwing money away on rent
that's an invisible script we grow up
hearing it from everyone movies TV shows
and we start to believe it over time is
it true maybe maybe not on my podcast
I'll ask couples what do you remember
your family saying about money when you
grew up and you know one of the most
common things they say their parents
told them
we can't afford it now think of it fast
forward 30 years later you get a great
job you start investing money and you
cannot figure out why you still feel so
guilty about buying a coffee now most
people never make the connection between
what they grew up with and how they feel
about money decades later that's why I
call them invisible scripts so the next
time you have a negative reaction to
money write down your money belief
acknowledge them even interrogate your
own beliefs why do I believe this what
if I did the opposite who do I admire
how would they think about this and then
decide what scripts do I want to follow
and what scripts do I want to reinvent
for the next chapter of My Life by the
way here are a couple of other common
invisible scripts that many people grew
up with we don't talk about money well
how can you expect to get ahead if
you're not actually talking about money
what's really going on with this
invisible script is that people think
money is a source of stress overwhelm
guilt and anxiety so they want to deny
talking about it well I don't I think
money is a source of Adventure and
spontaneity and possibility of course I
want to talk about it yes I want to
build some skills and learn how to set
my accounts up and invest but of course
I want to talk about money it's what
helps me live my rich life next
investing is only for rich people not
not People Like Us wrong the way that
you get wealthy is by investing this is
so common especially with people who
were never exposed to investing and it
drives me crazy because I want everybody
to have access to the greatest wealth
Creator in history the stock market so
even if you've got an entrylevel income
even if you can only invest $2 a month
it's still meaningful and that is how
you get started so you can literally
change your life byend spending one day
setting up automatic Investments that
means you can start to actually live
your rich life and not worry about money
for the next 20 years next up bad habit
number five having generic
goals you know when I ask people what is
your rich life 90% of the people have
the same answer they go like this I want
to do what I want when I want and then
they just wait they wait for me to
applaud oh my God that's did you say you
want to do what you want when you want
that's so original and then I go like
this um what do you
want they never thought about it they
spend 50 years working eight plus hours
a day agonizing over money feeling
guilty over money thinking about money
and I go what do you want to
do what's the point of all this why are
you spending your entire life working to
accumulate money and save money and
spend money and you you never even sat
down to answer a single question what do
you want to do with your
money nobody trips and falls into a rich
life if you want to live your rich life
which is going to be different than mine
and everyone else's you have to design
it okay other common goals I see people
make time and time again I want to get
healthy means nothing I want to pay off
my debt means nothing CU you didn't tell
me how much and when and the exact month
and year it will be paid off I want to
find a new job okay I want to fly why
just saying it doesn't make it happen
let me break it down for you setting
generic goals can actually be worse than
not setting a goal at all because people
go through the effort of saying I want
to get healthy and then of course
inevitably life gets in the way and they
don't get healthy they don't even know
what healthy actually means and then
they beat themselves up well I set this
goal and I never fall through and now I
don't trust myself better you didn't
even set that at all instead of saying I
want to get healthy I want you to get
specific about exactly what you want to
do when you want to do it who you want
to do it with and then you can control
that part of the process so how do you
create better goals well you can use
smart goals smart goals are specific
what will my goal achieve measurable
what does success look like attainable
are there resources I need such as the
courses at iw. comom that we offer
relevant do I really want to do this and
time oriented what is the deadline let
me give you a few examples a terrible
goal I need to get better with money a
bad goal I want to save $1,000 this year
a smart goal I want to have $40 per
paycheck automatically transferred to my
vacation sub savings account for one
year that's how you do it do the work
upfront to Define what success looks
like and if you aren't sure honestly
guess just write it down and then course
correct over the next month or 6 months
which brings me to bad habit number six
spending without a plan you know how
many people go through life feeling like
spending money is a bad thing they even
say I should be good this month which to
them means they aren't spending money
because spending money is bad on one
hand we are very puritanical about money
we're told not to buy lattes not to buy
jeans not to buy handbags cuz they're
frivolous funny you never hear someone
describing a $80,000 truck as frivolous
but a $2,000 handbag so
frivolous and we do this for our entire
life on the other hand we see our
friends in Bora Bora on Wednesday on
Instagram we're like how come they get
to do that and we don't what if spending
money actually felt good my dream for
you is to have a vision for spending
money on the things you love and once
you do then you can cut cost mercilessly
on the things you don't the challenge is
that many of us have never articulated
what we love spending on we feel guilty
to even say it out loud I'll ask people
what's your rich life what's your dream
they go uh I guess one day I'd like to
have a beach house I mean it doesn't
even have to have a roof it doesn't does
have to have walls no windows it doesn't
even have to have a door it just needs
to be within 5 miles of a beach I go
what the I just asked you you're a rich
life and you just minimized everything
so now you're living in a shack what
kind of answer is that and it's not that
they're a bad person it's that we have
been taught to play small now I don't
know about you but I don't want to play
small and I don't want to wait until I'm
90 to finally enjoy my money I want to
live a rich life today and a richer life
tomorrow here's what you you do you got
to know your numbers using my conscious
spending plan template which you can
download right here then you prioritize
what you want to spend more money on now
you can't predict everything that's life
but knowing your numbers will allow you
to build in some flexibility into your
life you'll be able to handle the
unexpected expenses that life inevitably
throws your way if you only track the
four numbers in my conscious spending
plan then when things come up
unexpectedly you won't be thrown off
financially
the CSP has four major buckets on where
your money goes first is fixed cost your
fixed cost should be no more than 50 to
60% of your take-home pay otherwise
you're going to feel constantly stressed
out about money next your Investments I
recommend at least 10% of your take-home
pay of course the more the better
because this is where real wealth is
created next your savings this is 5 to
10% of your take-home pay minimum this
is for an emergency fund and expenses
that you're going to have in roughly 1
to 3 years and finally my favorite one
of all guilt-free free spending now that
should be between 20 to 35% of your
take-home pay I know what you're
thinking that's a lot yes it is this is
your fund money for anything you want to
spend on this month could be eating out
throwing a party taking a trip treating
your spouse or family don't get too
stuck thinking what goes where or if
your numbers are exact my suggestion
estimate it implement the plan and you
can adjust as needed now if you follow
the conscious spending plan you're going
to be saving automatically every month
in investing automatically every month
and best of all spending money with
intention all right I have one more
money habit left but before we get to
that if you're not already subscribed to
my channel go ahead and do that for me
really quick and now bad habit number
seven having a scarcity mindset have you
ever said one of these phrases I'm never
going to be able to afford that that's a
waste of money I don't need to spend on
things like that if you've said any of
those phrases you may find it difficult
to spend money on yourself and if so a
good place to start is to look at your
numbers to know why you are feeling that
way sometimes you're right if you have a
huge amount of credit card debt you
probably shouldn't be staying at an
ultra luxury hotel if your fixed cost
exceeds 60% of your take-home pay yeah
you probably cannot afford that new car
okay but in other cases it's a scarcity
mindset and I've spoken to people who
have millions of dollars in the bank and
they can't bring themselves to buy
blueberries or take a trip that their
spouse has wanted to take for
decades that holds you back I would
challenge you to adopt a growth
mentality to use money to live a rich
life because the point of money is not
to hoard it and save it it's to use it
for your rich life now that we've gone
through the seven most common money
habits keeping people stuck I hope
you're able to identify which habits are
keeping you stuck and better yet you
know exactly how to change these into
POS positive habits check out this video
popping up on screen to watch
more
Voir Plus de Vidéos Connexes
Cómo ahorrar (mucho) dinero rápido y fácil? Hábitos efectivos de ahorro
Así piensan los jodidos. Ruina financiera asegurada #caminodelalfa #gerrysanchez #finanzas
El secreto para programar tu mente y tener éxito en lo que sea | Motivación
Los 7 Tipos De Presupuestos
✅5 PASOS para una PODEROSA INTELIGENCIA FINANCIERA🤑y tener DINERO – Robert Kiyosaki (IQ Financiero)
Así Organiza su Tiempo una Persona del TOP 1% (Isra Bravo)
5.0 / 5 (0 votes)