Tag: savings

Positive Mental Attitude: Season 2 – Episode 8 – Habit of Saving Revamped

Positive Mental Attitude: Season 2 – Episode 8 – Habit of Saving Revamped

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“The principle he learned and the one that you also can employ will now be stated in a very few words. In reading The Richest Man in Babylon, Mr. Osborn found that wealth could be acquired if you:

(a) Just save one dime out of every dollar you earn;

(b) Each six months, invest your savings and interest or dividend returns from these savings and investments; and

(c) When you invest, seek expert advice on safe investments and thus you won’t gamble and lose your principal.”

Excerpt From: Napoleon Hill. “Success Through A Positive Mental Attitude.” iBooks. https://itunes.apple.com/us/book/success-through-a-positive-mental-attitude/id381618319?mt=11

Oh, yes! The habit of saving, one of the best kept secrets and a principle I went over quite some time ago.  Guys, it was July 3rd, 2017….my brother (as most negative stories from my childhood revolve around him) came home and was yelling at me.  He said I was selfish (although I was a poor college student) because I was allowing my mother to pay for my phone bill.  I remember crying and leaving to my best friend’s girlfriends’ house — Dominique.  The next day we watched Transformers (the original motion picture) before going to a fourth of July party in the evening — where my brother actually greeted me with a handshake — acting as if nothing had taken place a day before.

Over the next year I stood up to him gradually….but all arguments and problems between 2005-2013 stemmed over money.  Either I wasn’t giving my mom enough money, or I should get a job.  From that point going forward, I was an aggressive saver.

Of course this doesn’t relate to investing, but I became self-aware that being broke, was not fun. Yes, I had $10 to my name at one point here in Thailand, but never again was I ever that broke again.

You have to be consciously aware of your spending.  In my Darren Hardy blogs, I emphasized how you can curb your spending or just be aware of how much you’re spending.  I always put myself on a daily budget.  Thankfully I’m working hard throughout everyday; therefore, I don’t have time to buy things I crave (carbing up with pizza or pancakes).  Also, I follow a routine every morning.  I have a fried egg, rice, and chicken (stir-fried basil)….so I’m constantly aware of how much I spend everyday.

Guys, I can’t stress enough how important it is to save.  In my podcast I give you some stories that ultimately lead me to saving.

Warren Buffet On Crypto: Is He Scared?

Warren Buffet On Crypto: Is He Scared?

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So, since Crypto started making waves and I started reading a little bit more of Tony Robbins again, I’m getting really scared about why there’s such a huge divide between the Gen B’s and the newer generations.

After 2008, who trusts the banks? I mean the value on people’s homes was reduced by 80%.  On top of that, 401K’s (also known to be in the stock markets), were completely wiped out.  Could you imagine being 60-years-old and seeing your 401K go right down the drain? Did anyone claim reliability? Absolutely not.

So, this is why I continue to have my doubts because there isn’t any straightforward information in terms of saving long-term.  It’s scary.  Thailand’s last crash was back in 97/98, resulting in quite a few suicides across Eastern and Southeast Asia.

How can we protect ourselves from crashes? I mean I ask myself the most basic question, “if 401k’s get wiped clean every 8-12 years, what’s the point?”

Honestly, would love to hear someone’s opinion.

And this is what brings me to Cryptocurrency.  Sure, it’s a massive fluctuation, but with blockchain on the verge of changing the way we view money, it seems like regular currency will be a thing of the past by the late century.

You know what I really want to point out….how come is it that the “over 60’s” keep so much information from one another?  Here’s a question, show me a blog or a book that Warren Buffet, Ray Dalio or any of those Wallstreet fools (I say that lightly, too) wrote and talked about how to invest.

I’m waiting….

See, that’s the problem right there.  Am I blaming the WWII, Korean War, Vietnam War eras for this? Well, kinda…in a sense that Americans, and the world in general, had a completely different mindset on life back in those days.  Do you think they want to change now? HELL NO!!! This is why racism has been perpetuated for so long because the Gen B’s rub off on the Gen Z….so the only way an anglo kid from Norman, Oklahoma won’t be a racist is if he moves to a culturally diverse city.

That’s a FACT.

But anyways…let’s break this down.

“If you buy something like a farm, an apartment house, or an interest in a business… You can do that on a private basis… And it’s a perfectly satisfactory investment,” he said. “You look at the investment itself to deliver the return to you. Now, if you buy something like bitcoin or some cryptocurrency, you don’t really have anything that has produced anything. You’re just hoping the next guy pays more.” – Warren Buffet

Ok, so how do the markets return on us without being penalized? How about the hidden fees that these “trust funds” inadvertently put in so that financial managers can dig deep into the “potential savings” of the others?

“In terms of cryptocurrencies, generally, I can almost say with certainty that they will come to a bad ending,” Buffet said. He went on to say he’d bet on “every one of the cryptocurrencies” falling over the next five years. “But, I would never short a dime’s worth,” he added. – Warren Buffet

Like the DOTCOM crash? Ok, some people would blame banks or housing.

How about 2008?  Oh, let’s blame the banks.

Great depression? Let’s blame the banks.

How come Warren doesn’t sit down with the world and teach them out to invest? This is what really drives me up the wall.

“There’s a real bubble in that sort of thing,” – Warren Buffet

Like…ummm, 2000-2008? That bubble? The bubble that bursted?

See, just like most over 50’s, this is a many that points fingers, critcizes, and gives no definitive follow-ups.

He should perhaps rephrase himself and say, “ok, guys.  Crypto is this………and this is what’s going to happen.  However, I believe if you put your money here in these indexes, it will accumulate this much over a 10-year period.”

The thing is….he doesn’t do that.

And that’s why I can NEVER trust anyone from that era.  There’s just too many hidden things and beating around the bush.

 

 

Wealth Goals For 2018

Wealth Goals For 2018

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“Less time; more money!”

That was my motto heading into this year.  After all the events that had taken place in the month of October and November, I was almost sure that I could’ve made 120$ an in two hours with a private course teaching business law.  That 120$ would’ve also been nine hours of work at my present place of work.

Now that opportunity is now somewhere in the ocean, but the fact and breadcrumb is I thought I would have a great opportunity to make superior money here in Bangkok.  Interview, move, I was PRIMED for excellence, until that interviewer never came back around.

Damnit.  Did I make the right move? Did I make a smart financial decision moving to Bangkok, even though there are no job opportunities anymore? I still believe I did.  One section of Bangkok was driving me insane – the same section of Bangkok which a lady walked passed me, bringing her purse closer to her.  Yeah…happens on a routine basis in that “slummy” area. It was enough.  The constant ignorance that I saw everyday from low-class mindsets was just too much.  Sure, I paid a 800$ deposit along with the first months rent to get out of there because I knew and continue to know that the universe loves action.  I sleep with such an amazing conscious every night knowing I’m not in “that” area anymore where women grip their belongings as if I were going to snatch it away from them.

Let’s get back on track.

That was a decision of 2017.  Wealth right now is no longer an area of concern, but it’s something I need to seriously come to grip with because if I was to move out of Thailand, I’ll definitely need to be smart with my money going forward.

Podcast

Wheel of Life: Merry Christmas! The Most Successful Year of My Life!

Wheel of Life: Merry Christmas! The Most Successful Year of My Life!

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MERRY CHRISTMAS to ABSOLUTELY EVERYONE AROUND THE WORLD!

Yes, did it in caps because it’s a big deal.

Guys and gals, Christmas is celebrated in some cultures as a religious holiday, but I celebrate it as a day to live, love, and laugh.  I don’t go to church, nor do I have a religion.  My religion is universal (like the universe) unity.  I try to spread as much love into the atmosphere as possible…..so for those of you with different customs, cultures, creed and other things, don’t let people say to you, “you can’t celebrate Christmas because it’s a Christian holiday.”  No, it’s a holiday at the end of the year whereas you can look back and enjoy how much you’ve progressed.

This year has been a year of change, progression, obstacles, and unbelievable rewards.  If I talk about countries I’ve traveled to, it’s been the biggest success in my life.  Personal development has definitely been the best EVER.  Career, although with the current blockage going on for the next couple of weeks, has been on the rise.  How so? Because life doesn’t revolve just around a primary job.  My podcast, YouTube, speaking, writing, etc., has gone up significantly.  Better yet, let me just break down each one by category.

Career – 9.5

I think the majority of this came at around May when I began to rebel against the primary “job.”  I felt that the job had gone stagnant.  It was the same thing happening over and over.  Same bs wage while the upper folks make hundreds of thousands/millions of baht….so then I got a phone call.  That “thing” was accepted, that lead to two projects, that’s leading to two massive projects in back-to-back months (February).  Just get this – everyone.  If I hadn’t accept that job on the weekend, I wouldn’t have gotten all these opportunities to begin with.  That moment they told me they had someone of power….I hurried to say, “ok.”  I accepted it, and I had to battle with this lose-ended, primary job (pretty much finished) to keep it.  That lead to three massive projects throughout the year that lead me to million baht earners.

Enough with that.  Podcast? I think over 100 countries listened to me worldwide.  YouTube? So many countries tune into my videos around the world.  Book? Twitter? Instagram? Interviewing people all over America? CHECKS ALL AROUND!

Hobbies & Fun – 8.5

It wasn’t even the Tough Mudder, Spartan Race (2x), and going to Maldives that made this an 8.5, but it was more of the decision that I made just a few weeks ago, cancelling a morning class to be around entrepreneurs and great people. I’ve been neglecting “fun” in my diet for so long.  I would work 9 hours on Saturday and Sunday, but ultimately make the same wage for the last four years? I mean I had no idea I can work two hours in Bangkok and make the same wage in 2 there compared to 9 in the outskirts.  So, now that my time is free(ing) up, and now that I’m preparing for my new life, I’m definitely going to incorporate “fun” into my life next year on a routine basis.  Now, does that mean going out? Nope. I hate going out unless it’s a business meeting and socializing to make connections.  I’m talking about meeting likeminded people and having time to myself and for my my projects.  No more 8-11 hour days on garbage wages.  It’s time for 2-4 hour days and have the rest of the day to do big things.  Nonetheless, It’s beginning to happen!

Wealth – 9.5

Look, I was able to to go back to America, travel to Sedona, layovers in Korea, Singapore and Japan, Maldives, Malaysia, do two Spartan races while staying at the Sheraton for the first time in my life.  These are massive accomplishments; and with all of with being stated, I still have the most saved up at the end of the year at any point in my life.

Yes, Crypto currency is what I’m going to start looking into to top off the year (so I have extra money on the side), but the wealth will come when I start looking.  Well, that has come and gone.  Why?  I realized that I can get paid 450% more per hour working in Bangkok then my current job.  I want to make more money in less time.  If I can work two-hours a day, amassing a total of a nine-hour work day at my present job, it’s time to go!

Big ideas, projects, jobs, and places to grow is coming up!

Personal Development – 9.5

Dale Carnegie’s ‘How To Stop Worrying & Start Living’ helped the HELL out of me this year.  I’m going to tell you why.  If I think about the current job situation going on – the company having a ‘secret santa’ without me, although they employ some of the most malicious teachers….what’s the worse that can happen? They fire me, and then my work permit automatically cancels and I can begin the new life at the beginning of the year.  That worse case scenario is a golden case scenario.

Physical Environment – 9.0

Because I was able to take the risk of be ostricized at my present workplace, I was rewarded with three massive projects, two unique students, and the teaching of millionaires.  This is what made my physical environment skyrocket.  The things that happened the way they did were suppose to happen.  Because they did, I decided to move to a very gorgeous area of Bangkok.  If I can just sit here and close my eyes, envisioning how it would be spending Christmas at my old condo, I would be depressed.  Same neighborhood, same people, same lifestyle.  Enough was enough…and now I just went running down these gorgeous streets where everyone was smiling.  It’s out there, people.  You just have to search for it.

Health – 8.5

Tough Mudder in Phoenix, Spartan Super in Malaysia, Spartan Sprint in Chon Buri, Thailand.  My body has transformed, I workout at the best gym ever and I’m around a supporting cast of people, and now that I’m living in my new place, I cook more often because I have an AMAZING kitchen.

Family & Friends – 4

This category took a massive hit.  From a best friend completely disappearing on me after cancelling my trip, to two individuals who I thought were developing friends vanishing.  What to do in the new year? In the podcast. 

Romantic Relationships – X

Although I did have a couple of opportunities this year to make something happened, it ultimately failed on me.  Funny stories in the podcast down below!

 

Podcast

Darren Hardy – Story of Kathleen

Darren Hardy – Story of Kathleen

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“Twelve years ago I had a wonderful assistant, Kathleen. She earned $40,000 a year at the time. She was tasked to manage the registration table situated at the back of the room during one of my lectures on entrepreneurship and wealth building. The next week she came into my office. “I heard you talk about saving 10 percent of everything you earn,” she told me. “That sounds nice, but there is no way I could do that. It’s totally unrealistic!” She proceeded to tell me about all her bills and financial obligations. After she wrote them all out, it was obvious there really wasn’t any money left over at the end of the month. “I need a raise,” she said.

“I’ll do better than that,” I told her. “I’m going to teach you how to become wealthy.” It wasn’t the answer she was looking for, but she agreed.

I taught Kathleen how to track her spending, and she began to carry her notebook. I told her to open a separate savings account with only $33—just 1 percent of her existing monthly income. I then showed her how to live on $33 less the next month—bring in her own lunch just one day a week instead of going downstairs to the deli and ordering a sandwich, chips, and a drink. The next month I had her save only 2 percent ($67). She saved the additional $33 by changing her cable subscription service. The next month we went up to 3 percent. We canceled her subscription to People magazine (it was time to study her own life), and instead of going to Starbucks twice a week, I told Kathleen to buy the Starbucks beans and other fancy fixings and make her own coffee in the office (she grew to like that even better—me too!).

By the end of the year, Kathleen was saving 10 percent of every dollar she earned without noticing a significant impact on her lifestyle. She was amazed! That one discipline also had a ripple effect on many other disciplines in her life. She calculated what she spent on mind-numbing entertainment and began investing that money on personal growth instead. After feeding her mind with several hundred hours of inspirational and instructional content, her creativity started to soar. She brought me several ideas on how we could make and save more money in our organization. She presented me with a plan that she would implement in her spare time, if I promised to reward her with 10 percent of all the money-saving strategies and 15 percent of all the new revenue strategies that proved profitable. By the end of the second year, she was earning more than $100,000 a year—on the same $40,000 base salary. Kathleen eventually started her own independent contract service business that took off. I ran into Kathleen at an airport two years ago. She now earns more than a quarter of a million dollars a year and has saved and created more than $1 million in assets—she’s a millionaire! All starting from the choice to take one small step and start saving $33 a month!”

Excerpt From: Darren Hardy. “The Compound Effect.” iBooks.

See how it works? It’s the little steps.  I’m not telling everyone to save a whopping 20-40% of your salary each month.  I’m not even saying 15%….but saving incremental one’s there and one’s here will add up to the significant amount.  I always take good care of my monthly subscriptions.  I limit myself to going to my favorite Italian restaurant.  I make sure I don’t buy anything completely outlandish if I don’t need it.  All these little things have added up to a savings account whereas if I look at it — I go “DAMNNNNNN!”

Time Is of The Essence – Tony Robbins Video On Compounding

In This video, Tony talks about starting at particular ages, but what it all comes down to is you can start saving little-by-little now and reap the rewards.

Podcast

Money Talk – Keeping It Slow & Easy

Money Talk – Keeping It Slow & Easy

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As I said in my last blog, it’s time to track one habit a week.  This is the beginning, so don’t get bent out-of-shape about it.  Pick a habit that has the greatest control over you, and once you start reaping the rewards of the Compound Effect, you’ll want to introduce this to your friends a family, too.

Let’s say you want to lose weight.  Your goals is to track everything you put in your mouth from dawn until dusk.  Pay attention to your sodium intakes.  Pay attention to how many sweets you consume.  For example, I’m a Gummy Bear Type-Of-Guy – meaning I LOVE to eat my gummy bears.  However, I believe this is going to have a very bad long-term effect, so I decided to track how often I eat them and it’s practically everyday.  Two days ago I said NO! However, yesterday I treated myself to a few bags that was about 30g’s in total, which is well under the 75g the American Heart Association requires not to go over.

If you want to talk about beverages, track those sugary drinks and glasses of wine.  Anything you consume in general MUST be tracked.

Again, writing things down sounds simple, but only when you start it.  That’s why I’m asking that you commit to choosing a category and a start date, now.

I am going to start tracking _____________________ on _____________________. day/month/year

Each day you’ll start with the date at the top of a fresh page, and start keeping track.

What’s going to happen after the ensuing week will shock you.  You’re going to realize how much money, calories and minutes have been escaping you.  Track it for three weeks.  Yes, three weeks.  Why? Some psychologists have said that a habit doesn’t become a HABIT until after three weeks.  If you guys can do this for 21 days, and make it a habit to carry around the small notebook in your back pocket, purse, or in your backpack so you can log in everything, you’ll see a massive difference.

You’ll find yourself asking, “do I really need that back of gummy bears?” This question I asked myself last night, and without any sugar cravings, I walked straight to the entrance of my condo and went right up the elevator.  Day 3 is here!

Podcast

 

 

Darren Hardy: Everyone Has Experienced The Compound Effect

Darren Hardy: Everyone Has Experienced The Compound Effect

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“The phenomenal power of the Compound Effect is that simple. The difference between people who employ the Compound Effect for their benefit compared to their peers who allow the same effect to work against them is almost inconceivable. It looks miraculous! Like magic or quantum leaps. After thirty-one months (or thirty-one years), the person who uses the positive nature of the Compound Effect appears to be an “overnight success.” In reality, his or her profound success was the result of small, smart choices, completed consistently over time.”

Let me break this down in incremental sub-stories.

When I was on break from college, my brother and I got into a massive argument over money.  He said, “why are you having mom pay for your phone bill? You should pay for it instead!”  From that point going forward, I became a very aggressive saver.  This is the intent of very successful people – be able to live on a little amount every month and invest/save everything away for a beautiful day.

This lead to a booking of a trip to Australia in May of 2009.  If those events hadn’t taken place in the past, I would’ve never gone to Australia to begin with.  Those small, smart choices of saving money made all the difference in the world and still continues to do so. How? Well, Malaysia, Maldives, America, Indonesia in one year says it all.  Saving had a large impact on my travels.

Another excellent example is my podcast.  Do I have millions of downloads? No.  Do I have hundreds of thousands, tens of thousands, or even thousands of downloads? Well, thousands of downloads and plays over an almost 2-year span.  A lot of people would say, “that’s not good,” but those small steps will leave a very lasting effect on everyone.  Some people think everything works instantaneously, like my blogs.  I’ve written more than 150 blogs but not that many views, likes or followers compared to others who write about politics and attract dozens of negative comments.  My intent is not about the macro, but those micro-wins will deliver macro success.

And, of course, my last story is Herbalife.  I’ve been doing it for four years and people ask me, “are you making money from it yet?”  No.  I’m doing it for my health.  If I was more aggressive, I could’ve been able to accumulate quite a bit by now, but that’s never my intent; nor is it my intent to shove endless amounts of blogs and messages down my friends throats, urging them to try it.  Again, if someone comes to me with healthy questions, I deliver.

All in all, it’s all about consistency. I will continue producing content for my YouTube and Podcast; continue writing; herbalife; and so many other things….because over a period of time, it’s going to make all the difference in the world.

Podcast

The Penalty of Leadership

The Penalty of Leadership

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Since living here in Thailand, teachers have said: I’m black, too loud, too funny, not strict enough, too much charisma, gets all the work, brown noses, shouldn’t be a teacher, can’t write, bad at presenting.  In addition to that, students have said: we want a white teacher, we want a handsome teacher, you’re too funny, we want to go page-by-page, we want that 150 year old traditional style teaching whereas a teacher writes a bunch of shenanigans on the board and we copy it.

Is this part of leadership? Well, just know in every field of human endeavour, you’re going to get that white light of publicity.  When you start doing good and start making a name for yourself, the envy will be there waiting for you.  The reward of the publicity and recognition; the punishment, fierce denial and detraction.  It could become a target for the envious few or envious many.  When you do something mediocre, they’ll leave you alone.  When you achieve a masterpiece, it will set a million tongues a-wagging.

You’re never going to get the “seal of genius” stamp in what you do.  I’ve had people who said my writing was appalling; conversely, my college professors would give me straight A’s on my papers.  The one who said I couldn’t write to save my life never majored in English….get the drift? There are parasites and bacteria out there that are trying to find a way to harvest anywhere on your body…and I’m not speaking literally.  The comments and negative opinions of others are just that….parasites and bacteria.

The Penalty of Leadership is monstrous.  The moment I created a curriculum that enabled others to get a lot more work, there wasn’t a ‘thank you’ anywhere in the vicinity.   The pessimism grew even larger because the fact and matter is that my image is being created in a way that will alter the trajectory of colored people worldwide.  If you’re not ready to strap on your helmet and barrel through the cynicism, criticism, haughty and antagonists, I suggest you stick to the 9-5 job.

Podcast: https://www.spreaker.com/episode/11947419

Napoleon Hill – How To Overcome The Fear of Poverty

Napoleon Hill – How To Overcome The Fear of Poverty

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First, scissor up those plastic cards that lay either idle, or accessible in your wallets and purses.  It’s time to pay virtually cash for everything.  Oh, and this comment is specifically for my Thais here in Thailand – DON’T PAY OFF DEBT WITH CREDIT CARDS! Makes zero sense.

When you start doing this, the sigh of relief will be an overwhelming feeling of joy.  Breaking away from the worrisome and indebtedness so that you’re ready to revamp the habits in your mind and re-direct your course toward prosperity is going to be one of the best achievements of your life.

Remember, when you discontinue an undesirable habit, know that their will be a void or space in the mind that will need some accompanying.  If you don’t occupy that free-space, what will come back?

You guessed right!

The destructive habit that you kicked before.

I’ve talked about a couple of formulas which I told you to copy, paste, print, and recite aloud. There are more formulas approaching very soon…and these formulas will become a part of your mental machinery.

I’m assuming that because you’re reading this…you’re somewhat striving for financial independence.  No, I’m not talking about those ridiculous “how to become a millionaire and billionaire” over-the-top videos you see on YouTube.  I’m talking about the accumulation of money to where you don’t worry about your finances – period.  It’s not difficult to do after you master the Fear of Poverty and developed in its place the Habit of Saving.

The fact and matter is that the cold, cruel, relentless truth is that we’re in the age of materialism.  We’re in the age that showing cars, houses, and everything materialistic gives you an upper hand over other people.  Just look at it this way, if you see a man wearing a suit jut waltzing down the street, you would ask yourself “how much money does he have,” right? However, if you see a man walking down the street with his clothes unpressed, his collar is dirty, shoes scuffed up, and not clean-shaved…you’re probably thinking that he shows signs of impoverished finances.

This tendency to judge people by the money they have, or their power to control money, is not confined to any one class of people.  We all have a touch of it, whether we recognize the fact or not.  Egoism, which I’ll be going over extensively in the coming weeks, is closely related to materialism.  We have to learn to break away from the “I’m better than you because I have more money” bs so we can uplift humanity.

And before I close this out, a lot of men stumble and fall, never again to rise, because of lack of money in times of emergency.  Reserve Funds are essential in the success operation of business! These are all the topics and things I discussed in my podcast down below.  Enjoy!

Podcast: https://www.spreaker.com/episode/11814036

Napoleon Hill – The Slavery of Debt

Napoleon Hill – The Slavery of Debt

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Paying for something you can’t afford.  Ring a bell? You dig into your wallet and pullout that flashy master card, which has “debt-ridden” all over it.  You slide that card or insert it into the machine – little do you know what you’ve just done.

Debt, which is a merciless master, is a fatal enemy of the savings habit.

Poverty, alone, is sufficient to kill off ambition, destroy self-confidence and destroy hope. If we look at it from a realistic perspective, imagine a man.  His name is Joe and he makes $12,000 a year.  His wife, on the other hand, has terrible spending habits and lives a $20,000 year lifestyle.  Therefore, the poor fellow is about $8,000 dollars in debt a year. He has two girls and one boy who wants to go to college, but now that’s impossible because of the father’s debts.  The result makes the entire family miserable.

It’s a terrible thing to go through life like a prisoner in chains, bound down like you’re in solitary confinement.  The accumulation of debts is a habit.  It starts in a small way and grows into enormous proportions slowly over time.

Most men and women develop that notorious habit of spending and unfortunately they never come to their senses in time to save themselves, because spending is like quicksand.  It’s slow, but once it grabs hold of your legs, you have no way out.  You sink deeper and deeper until you’re way in over your head before suffocating.  Good metaphor, ey?

The Fear of Poverty is one of the most destructive of the six basic fears I’ve mentioned in my previous podcasts because it destroys self-confidence, ambition, and sinks you straight into oblivion.  On top of that, this particular fear can attract The Fear of Ill Health, and then that can attract The Fear of Old Age.  Before you know it, your hair is full of grey by the age of 40.  Does any of this ring a bell for you guys? Here, I’ll throw in a story how attaching identity to money is the absolute worst thing you can do.

A young man worked for National Bank of New York City long ago.  Because he had that destructive habit of spending, the debtors/creditors would follow him around like a rat nipping at your heels to embarrass and humiliate him.  Kind of like in America where the debtors start calling your job? It gets worse.  They followed him from city-to-city when he was trying to just escape them until he had accumulated enough money to pay off his indebtedness.  Sure enough, they found him again…..and one cold night he leaped off one of the top building on Broadway straight to his demise.

Debt had claimed another victim.

Podcast: https://www.spreaker.com/episode/11794402