At any given time, you’re either getting better or you’re getting worse. This extends to health, wealth, relationships...anything. It’s rare that you can maintain the status quo. So when it comes to improving in your job or career, you have to constantly look for ways to improve.

1. Personal Growth Fund
   1. Roughly 5-10% of your income
   2. Separate from your main checking account
2. Reclaiming Dead Time
3. Layer Complementary Skills
4. Think 12-36 Months Out
   1. Most people think 1 week to 90 days out...so they get short-term results
   2. Ask yourself, where do you want to be in exactly one year from now? (work backwards from there)
5. Join Facebook Group
6. Start a Side Hustle
   1. You learn a lot more through doing than just by soaking up knowledge
   2. This includes both successes and failures

Americans are spending $765 more a month than they did in 2020.

• Post-COVID revenge spending
• Savings rates dropping from 33% to 9%
• The Psychological difference between spenders and savers
  • The pandemic has exposed a lot about our relationship with money. When heat is applied, you see what people’s natural tendencies are. Sometimes we confront them for the first time.
  • Factors that impact spending habits
    • Mother more than father
    • Individual life experiences (did you lose a lot at a key moment in your life?)
    • Amount of money you make doesn’t impact whether you’re a spender/saver
    • Money scripts concept
• How do you alter your spending habits to become a more intentional spender or a saver?
  • Get clear on where you land on the spectrum
    • If spending stresses you out…
    • If you love shopping and spending...
    • You want to land somewhere in the middle
  • Understand your weaknesses
  • Be mindful of the company you keep
  • Create a spending plan
  • Set up guardrails
    • Unsubscribe from Prime
  • Start small with saving
    • IRA Example

Saving often gets a bad rap – like it’s boring – but the truth is that it gets a lot less boring the longer you do it. Because eventually you’re the one with the disposable cash and leverage to live life on your terms.

A grown child is someone who is physically old enough to be an adult, but who continues to think, act, and respond to the environment around them with childish behaviors, tendencies, words, and habits – as if they were still a young, helpless child.

Grown children are everywhere. There are 25-year-old grown children, 45-year-old grown children, and even 65-year-old grown children – though it appears to be a more prominent and persistent problem with today’s younger adults.

The culture is teaching young adults to stay children – even encouraging them to do as much. And while it’s too late for the culture to turn back at this point, the door is wide open for individual transformation...to those who are willing.