when I was six years old my parents thought it would be a good idea to give
thought it would be a good idea to give
thought it would be a good idea to give myself and my brother an H or another
myself and my brother an H or another
myself and my brother an H or another time a couple of domes every week to
time a couple of domes every week to
time a couple of domes every week to spend or save as we saw fit now to you
spend or save as we saw fit now to you
spend or save as we saw fit now to you this might not sound like much but was
this might not sound like much but was
this might not sound like much but was six years old a single note is the key
six years old a single note is the key
six years old a single note is the key to the infinite world possibilities a
to the infinite world possibilities a
to the infinite world possibilities a world filled with candy with toys and
world filled with candy with toys and
world filled with candy with toys and well not much else and I being the
well not much else and I being the
well not much else and I being the future accounting student did exactly
future accounting student did exactly
future accounting student did exactly what any enterprising money conscious
what any enterprising money conscious
what any enterprising money conscious young man would do I spent every single
young man would do I spent every single
young man would do I spent every single theorem I ever got in one shot the day I
theorem I ever got in one shot the day I
theorem I ever got in one shot the day I got it
got it
got it week after week without fail nothing in
week after week without fail nothing in
week after week without fail nothing in the world made me happier than walking
the world made me happier than walking
the world made me happier than walking into the store and buy myself say some
into the store and buy myself say some
into the store and buy myself say some stuffed animals I had a good years
stuffed animals I had a good years
stuffed animals I had a good years before I bought them a slinky that would
before I bought them a slinky that would
before I bought them a slinky that would be bent on shape 15 minutes after I
be bent on shape 15 minutes after I
be bent on shape 15 minutes after I bought it whatever that is and this toy
bought it whatever that is and this toy
bought it whatever that is and this toy car that I lost a week after I bought it
car that I lost a week after I bought it
car that I lost a week after I bought it you might be starting to see a pattern
you might be starting to see a pattern
you might be starting to see a pattern here I kept buying myself things I
here I kept buying myself things I
here I kept buying myself things I didn’t want things I never really needed
didn’t want things I never really needed
didn’t want things I never really needed money management be damned
money management be damned
money management be damned now this scalice spending would soon get
now this scalice spending would soon get
now this scalice spending would soon get me in a lot of trouble eventually my
me in a lot of trouble eventually my
me in a lot of trouble eventually my parents stopped giving us pocket money
parents stopped giving us pocket money
parents stopped giving us pocket money we don’t quite know why and considering
we don’t quite know why and considering
we don’t quite know why and considering that I had never before given a single
that I had never before given a single
that I had never before given a single thought to money management was quite
thought to money management was quite
thought to money management was quite shocked when my steady source of income
shocked when my steady source of income
shocked when my steady source of income was cut off you can understand how I
was cut off you can understand how I
was cut off you can understand how I felt where previously I could have
felt where previously I could have
felt where previously I could have walked into the store and bought myself
walked into the store and bought myself
walked into the store and bought myself anything I wanted all I could do now was
anything I wanted all I could do now was
anything I wanted all I could do now was stare those toys on the shelves staring
stare those toys on the shelves staring
stare those toys on the shelves staring into my empty wallet wondering what I
into my empty wallet wondering what I
into my empty wallet wondering what I did wrong
did wrong
did wrong to deserve such torment my brother on
to deserve such torment my brother on
to deserve such torment my brother on the other hand did not have any of these
the other hand did not have any of these
the other hand did not have any of these problems he had been the model of
problems he had been the model of
problems he had been the model of financial Sensibility
financial Sensibility
financial Sensibility he had spent as I estimated roughly 10%
he had spent as I estimated roughly 10%
he had spent as I estimated roughly 10% of all the money he had ever been given
of all the money he had ever been given
of all the money he had ever been given and had saved up the rest this was a
and had saved up the rest this was a
and had saved up the rest this was a source of infinite jealousy from my side
source of infinite jealousy from my side
source of infinite jealousy from my side because whenever I was most short of
because whenever I was most short of
because whenever I was most short of funds there was my brother with his fat
funds there was my brother with his fat
funds there was my brother with his fat wallet with that smug grin on his face
wallet with that smug grin on his face
wallet with that smug grin on his face veritably swimming in mountains of gold
veritably swimming in mountains of gold
veritably swimming in mountains of gold while I the mere peasant was left
while I the mere peasant was left
while I the mere peasant was left wallowing in the streets feeling the
wallowing in the streets feeling the
wallowing in the streets feeling the true depravity of my financial situation
true depravity of my financial situation
true depravity of my financial situation a bit melodramatic I know but that’s how
a bit melodramatic I know but that’s how
a bit melodramatic I know but that’s how I felt at the time it hit me hard you
I felt at the time it hit me hard you
I felt at the time it hit me hard you know because I never had money when I
know because I never had money when I
know because I never had money when I really wanted it I was so close to being
really wanted it I was so close to being
really wanted it I was so close to being able to buy myself those toys in the
able to buy myself those toys in the
able to buy myself those toys in the stores and yet so far the emptiness of
stores and yet so far the emptiness of
stores and yet so far the emptiness of my wallet mirrored the emptiness of my
my wallet mirrored the emptiness of my
my wallet mirrored the emptiness of my heart and there was nothing I could do
heart and there was nothing I could do
heart and there was nothing I could do to fill the void left by all of the
to fill the void left by all of the
to fill the void left by all of the things I used to be able to buy it
things I used to be able to buy it
things I used to be able to buy it admittedly I did eventually realize that
admittedly I did eventually realize that
admittedly I did eventually realize that money wasn’t all I needed
money wasn’t all I needed
money wasn’t all I needed and with that realization came another
and with that realization came another
and with that realization came another one the realization that I didn’t have
one the realization that I didn’t have
one the realization that I didn’t have to spend all of the money I was ever
to spend all of the money I was ever
to spend all of the money I was ever given in one shot quite the shocker
given in one shot quite the shocker
given in one shot quite the shocker isn’t it anyway by the time I was around
isn’t it anyway by the time I was around
isn’t it anyway by the time I was around 13 I had begun saving up the money I got
13 I had begun saving up the money I got
13 I had begun saving up the money I got from birthdays from doing well at school
from birthdays from doing well at school
from birthdays from doing well at school from my relatives Christmases New Year’s
from my relatives Christmases New Year’s
from my relatives Christmases New Year’s and so on not just because I was sailing
and so on not just because I was sailing
and so on not just because I was sailing you know doesn’t mean I spend it smartly
you know doesn’t mean I spend it smartly
you know doesn’t mean I spend it smartly I still kept buying myself pointless
I still kept buying myself pointless
I still kept buying myself pointless things with the only real difference
things with the only real difference
things with the only real difference being that the things I was now buying
being that the things I was now buying
being that the things I was now buying well a lot more expensive than
well a lot more expensive than
well a lot more expensive than things I used to buy when I was younger
things I used to buy when I was younger
things I used to buy when I was younger my spending habits remained this broken
my spending habits remained this broken
my spending habits remained this broken this bad for a long time
this bad for a long time
this bad for a long time but eventually as I grew older and older
but eventually as I grew older and older
but eventually as I grew older and older my idea is about money began changing I
my idea is about money began changing I
my idea is about money began changing I came to realize that money wasn’t
came to realize that money wasn’t
came to realize that money wasn’t something that just come to me for
something that just come to me for
something that just come to me for existing it was something that if I
existing it was something that if I
existing it was something that if I didn’t try to earn it and if I didn’t
didn’t try to earn it and if I didn’t
didn’t try to earn it and if I didn’t try to keep the money I had with me with
try to keep the money I had with me with
try to keep the money I had with me with me it would figuratively stop falling
me it would figuratively stop falling
me it would figuratively stop falling into my hands from the heavens
into my hands from the heavens
into my hands from the heavens you can blame this sudden change this
you can blame this sudden change this
you can blame this sudden change this new perspective or me having grown a
new perspective or me having grown a
new perspective or me having grown a little too old to one play with new toys
little too old to one play with new toys
little too old to one play with new toys every day or my burning hatred of never
every day or my burning hatred of never
every day or my burning hatred of never having any money but instead let’s just
having any money but instead let’s just
having any money but instead let’s just say it was because I was more
say it was because I was more
say it was because I was more financially responsible and mature okay
financially responsible and mature okay
financially responsible and mature okay so with this new attitude with this new
so with this new attitude with this new
so with this new attitude with this new desire to become more financially
desire to become more financially
desire to become more financially sensible what I first did is I looked
sensible what I first did is I looked
sensible what I first did is I looked around the internet to try and find ways
around the internet to try and find ways
around the internet to try and find ways I could make money as a teenager with
I could make money as a teenager with
I could make money as a teenager with lots of free time that’s how I stumbled
lots of free time that’s how I stumbled
lots of free time that’s how I stumbled upon the world of online video game
upon the world of online video game
upon the world of online video game items raining I won’t go into any
items raining I won’t go into any
items raining I won’t go into any specifics here but basically my training
specifics here but basically my training
specifics here but basically my training item for item buying a load to sell high
item for item buying a load to sell high
item for item buying a load to sell high and investing in profitable items I was
and investing in profitable items I was
and investing in profitable items I was able to make myself a decent amount of
able to make myself a decent amount of
able to make myself a decent amount of profit in a relatively short period of
profit in a relatively short period of
profit in a relatively short period of time somehow through some miracle I
time somehow through some miracle I
time somehow through some miracle I haven’t yet let this sudden influx of
haven’t yet let this sudden influx of
haven’t yet let this sudden influx of money get to me I haven’t gone and blown
money get to me I haven’t gone and blown
money get to me I haven’t gone and blown it in one shot as I would have done when
it in one shot as I would have done when
it in one shot as I would have done when I was younger I’ve only really spent any
I was younger I’ve only really spent any
I was younger I’ve only really spent any of it on things I found essential like a
of it on things I found essential like a
of it on things I found essential like a tablet when I realized that I needed to
tablet when I realized that I needed to
tablet when I realized that I needed to take my laptop to school every day or at
take my laptop to school every day or at
take my laptop to school every day or at least electronic device and I realized I
least electronic device and I realized I
least electronic device and I realized I couldn’t take my laptop school it was
couldn’t take my laptop school it was
couldn’t take my laptop school it was too heavy or perhaps headphones when my
too heavy or perhaps headphones when my
too heavy or perhaps headphones when my old pair lost half the functionality
old pair lost half the functionality
old pair lost half the functionality basically on the paint you might be
basically on the paint you might be
basically on the paint you might be wondering what exactly I did to so
wondering what exactly I did to so
wondering what exactly I did to so miraculously
miraculously
miraculously spending habits that was so broken maybe
spending habits that was so broken maybe
spending habits that was so broken maybe I took all my money
I took all my money
I took all my money and shoved it into a mattress but even I
and shoved it into a mattress but even I
and shoved it into a mattress but even I couldn’t get to it if I tried
couldn’t get to it if I tried
couldn’t get to it if I tried maybe I convinced myself that spending
maybe I convinced myself that spending
maybe I convinced myself that spending money was the ultimate sin perhaps I
money was the ultimate sin perhaps I
money was the ultimate sin perhaps I shoved it all into a savings account
shoved it all into a savings account
shoved it all into a savings account somewhere well no I knew any of those
somewhere well no I knew any of those
somewhere well no I knew any of those things what I did is a little bit more
things what I did is a little bit more
things what I did is a little bit more mundane though it did work trust me what
mundane though it did work trust me what
mundane though it did work trust me what I did is I adopted a little magic method
I did is I adopted a little magic method
I did is I adopted a little magic method let’s say a simple set of rules that I
let’s say a simple set of rules that I
let’s say a simple set of rules that I gave myself and decided to follow which
gave myself and decided to follow which
gave myself and decided to follow which would dictate how I could and could not
would dictate how I could and could not
would dictate how I could and could not use my money and this set of rules
use my money and this set of rules
use my money and this set of rules helped me fix my spending habits now
helped me fix my spending habits now
helped me fix my spending habits now before I tell you about these rules let
before I tell you about these rules let
before I tell you about these rules let me give this little magical method a
me give this little magical method a
me give this little magical method a name let’s call it my simple steps to
name let’s call it my simple steps to
name let’s call it my simple steps to spending your savings smartly it just
spending your savings smartly it just
spending your savings smartly it just rolls off the tongue doesn’t it let’s
rolls off the tongue doesn’t it let’s
rolls off the tongue doesn’t it let’s get into step number one sleep on it I
get into step number one sleep on it I
get into step number one sleep on it I know I don’t mean sleep on your cash
know I don’t mean sleep on your cash
know I don’t mean sleep on your cash what I mean is whenever you feel like
what I mean is whenever you feel like
what I mean is whenever you feel like you want to buy something give it some
you want to buy something give it some
you want to buy something give it some time don’t rush into the store and buy
time don’t rush into the store and buy
time don’t rush into the store and buy it immediately hold off until the next
it immediately hold off until the next
it immediately hold off until the next day until you’ve had enough time to
day until you’ve had enough time to
day until you’ve had enough time to think about it
think about it
think about it and until you’ve had a good night’s rest
and until you’ve had a good night’s rest
and until you’ve had a good night’s rest this way in the morning when you wake up
this way in the morning when you wake up
this way in the morning when you wake up if you still feel like you want it go
if you still feel like you want it go
if you still feel like you want it go ahead because all that thought you put
ahead because all that thought you put
ahead because all that thought you put into it proved that you do want it if
into it proved that you do want it if
into it proved that you do want it if when you wake up you realize that you
when you wake up you realize that you
when you wake up you realize that you completely forgot about the thing you
completely forgot about the thing you
completely forgot about the thing you wanted to buy then obviously don’t go
wanted to buy then obviously don’t go
wanted to buy then obviously don’t go buy it you’ve never wanted it in the
buy it you’ve never wanted it in the
buy it you’ve never wanted it in the first place
first place
first place next don’t stop your wallet what I mean
next don’t stop your wallet what I mean
next don’t stop your wallet what I mean is despite what you might have been led
is despite what you might have been led
is despite what you might have been led to believe by the TV media the internet
to believe by the TV media the internet
to believe by the TV media the internet however fat wallet is overrated never
however fat wallet is overrated never
however fat wallet is overrated never carry all your cash with you when you go
carry all your cash with you when you go
carry all your cash with you when you go outside always leave some of it at home
outside always leave some of it at home
outside always leave some of it at home now what this does is it prevents you
now what this does is it prevents you
now what this does is it prevents you from buying something
from buying something
from buying something and blowing all your money in one shot
and blowing all your money in one shot
and blowing all your money in one shot which as we all know is a mistake I made
which as we all know is a mistake I made
which as we all know is a mistake I made several times whenever you’re outside
several times whenever you’re outside
several times whenever you’re outside and you have just a little bit less
and you have just a little bit less
and you have just a little bit less money than you need to buy something
money than you need to buy something
money than you need to buy something you’d end up asking whoever you’re with
you’d end up asking whoever you’re with
you’d end up asking whoever you’re with meet your parents or your friends for
meet your parents or your friends for
meet your parents or your friends for that money with the promise of returning
that money with the promise of returning
that money with the promise of returning it later when you do this there are
it later when you do this there are
it later when you do this there are another set of eyes and ears
another set of eyes and ears
another set of eyes and ears who’ll be able to tell you if what
who’ll be able to tell you if what
who’ll be able to tell you if what you’re trying to buy is pointless
you’re trying to buy is pointless
you’re trying to buy is pointless or if you should go ahead with the
or if you should go ahead with the
or if you should go ahead with the purchase take their advice
purchase take their advice
purchase take their advice it helps next along a similar vein split
it helps next along a similar vein split
it helps next along a similar vein split your savings what this means is that
your savings what this means is that
your savings what this means is that whenever you are given any amount of
whenever you are given any amount of
whenever you are given any amount of money split it mentally into an amount
money split it mentally into an amount
money split it mentally into an amount that you’re going to allow yourself to
that you’re going to allow yourself to
that you’re going to allow yourself to spend and an amount that you’re not
spend and an amount that you’re not
spend and an amount that you’re not going for out of yourself to spend what
going for out of yourself to spend what
going for out of yourself to spend what this does is it also similar to the
this does is it also similar to the
this does is it also similar to the previous step that is prevents you from
previous step that is prevents you from
previous step that is prevents you from buying something too expensive and
buying something too expensive and
buying something too expensive and blowing all your money in one shot
blowing all your money in one shot
blowing all your money in one shot next ignored the sailors I am a little
next ignored the sailors I am a little
next ignored the sailors I am a little bit ashamed to admit how many times I’ve
bit ashamed to admit how many times I’ve
bit ashamed to admit how many times I’ve been captivated by those shiny red 75%
been captivated by those shiny red 75%
been captivated by those shiny red 75% off signs those buy one get two free
off signs those buy one get two free
off signs those buy one get two free offers I have bought things I didn’t
offers I have bought things I didn’t
offers I have bought things I didn’t need one of buy one get two free so I
need one of buy one get two free so I
need one of buy one get two free so I end up with three of them when I barely
end up with three of them when I barely
end up with three of them when I barely even needed one in the first place
even needed one in the first place
even needed one in the first place basically what you do is whenever you
basically what you do is whenever you
basically what you do is whenever you see a sale be it 95% 99% buy one get two
see a sale be it 95% 99% buy one get two
see a sale be it 95% 99% buy one get two free whatever
free whatever
free whatever when you see a sale if it’s not on
when you see a sale if it’s not on
when you see a sale if it’s not on something you really need something you
something you really need something you
something you really need something you really really want turn the other way
really really want turn the other way
really really want turn the other way never think about it again sales are the
never think about it again sales are the
never think about it again sales are the easiest way to spend all your money and
easiest way to spend all your money and
easiest way to spend all your money and finally perhaps most important of all
finally perhaps most important of all
finally perhaps most important of all when you’re saving up your money or
when you’re saving up your money or
when you’re saving up your money or trying to make a change in your spending
trying to make a change in your spending
trying to make a change in your spending habits for the better you need to give
habits for the better you need to give
habits for the better you need to give yourself a proper reason there is
yourself a proper reason there is
yourself a proper reason there is absolutely no guarantee that you’ll be
absolutely no guarantee that you’ll be
absolutely no guarantee that you’ll be able to say
able to say
able to say your money or make that change if you’re
your money or make that change if you’re
your money or make that change if you’re doing it just to show the world how
doing it just to show the world how
doing it just to show the world how financially responsible you are or just
financially responsible you are or just
financially responsible you are or just to save up money for a rainy day that
to save up money for a rainy day that
to save up money for a rainy day that might never come don’t expose yourself
might never come don’t expose yourself
might never come don’t expose yourself to the risk of cracking under the
to the risk of cracking under the
to the risk of cracking under the pressure and giving in to the temptation
pressure and giving in to the temptation
pressure and giving in to the temptation instead give yourself a more fun or more
instead give yourself a more fun or more
instead give yourself a more fun or more personal reason for doing it perhaps you
personal reason for doing it perhaps you
personal reason for doing it perhaps you can look at it the way I do don’t save
can look at it the way I do don’t save
can look at it the way I do don’t save up your money and spend it smokey just
up your money and spend it smokey just
up your money and spend it smokey just to show the world that you’re the mortal
to show the world that you’re the mortal
to show the world that you’re the mortal accountant or just to show the world how
accountant or just to show the world how
accountant or just to show the world how smart and financially responsible you
smart and financially responsible you
smart and financially responsible you are No
are No
are No save up your money and spend it smartly
save up your money and spend it smartly
save up your money and spend it smartly just to stick it to all those older
just to stick it to all those older
just to stick it to all those older brothers of the world who’d happily Lord
brothers of the world who’d happily Lord
brothers of the world who’d happily Lord their wealth over you if only they were
their wealth over you if only they were
their wealth over you if only they were given the chance thank you
given the chance thank you
given the chance thank you [Applause]
”
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