18 Burst results for "Ramiz Sadie"

"ramiz sadie" Discussed on How to Money

How to Money

07:11 min | 3 months ago

"ramiz sadie" Discussed on How to Money

"So first of all. Let's talk about how you get money in the first place and that is earn it right and according to the pew research center Women earned eighty five percent of what men earned in two thousand eighteen That pay gap is shrinking Particularly for younger workers which is a positive trend but that is still a meaningful hurdle to overcome. The pay. Gap is partly due to to work history. You know like having kids great you know. But as we mentioned with the fidelity study earlier taking time off to have quetta's like it often leads to job offers in worse income prospects not to mention the years of not generating any income which often reflects years of not investing in a workplace retirement account in particular. If there's a match there right and those are some big disadvantages to overcome yell like you said at the beginning matt that stat also reflects some structural issues when it comes to male and female pay. But here's another thing to matt When we're talking about pay women are actually often averse to asking for more money than their male counterparts. There was a survey from ron saad. Last year the found that sixty percent of women have never negotiated with employer. Overpay women are also more likely to stay at a lower wage job to according to The personal finance web site the balance. And that's not good right because even just a small bump in pay with a new employer or in a job that been in for years can have just a massive impact on your ability to earn more throughout the years and then also save more for retirement. So i think of all of the things in this episode where we see. Maybe you know women as sex falling short. It is in in the ability to ask for more at knowing what they're worth again. This is another instance where you might be listening and you're thinking i've never had a problem negotiating a race like i've never had a problem asking for more money so again. It's important to keep in mind that though the research shows us like we know any totally doesn't apply to everyone. I'm specifically thinking of two conversations with Kirstin and julian saunders. The couple behind rich and regular that was episode. Eighty six and julianne was just bragging. About how great pearson is at negotiating. Evidently she's just like the queen negotiating more. Pay if you had to listen to that upset go back and listen to that one. Is that regardless of your gender. Earning more it's just so important right and all of us could stand to our abilities on that front And we've had lots of different conversations on the show that specifically cover you know not just stories of individuals negotiating but just how to go about doing that. I'm of Ramiz sadie that was Backing up said one ten and he outlined a great process a great method You know when it comes to wanting to up your salary. You know what steps you need to take. In order to negotiate a solid race gam thinking to matt had far new darabi on the show. She is just awesome personal finance expert and at the same time. She is someone who has made a killing as a small business owner. She knows her worth. she knows. how to negotiate. Yes so like you said there are many women out. there are crushing it. Who don't have a problem and asking for what they're worth. Who don't have a problem asking for a raise. It's just when you read those statistics. There are obviously a number of women who do though. And i wanna see. That number changed for the benefit of women as a whole absolutely. Let's about spending to do women spend more. That's an interesting question. My wife personally met hates to shop. I really. She just defies the stereotypes. And actually i don't know i don't mind shopping. A little bit roles are a little bit reverse exactly but there was a study by the wharton school of business that found that women are more likely to view shopping as a recreational activity. My mom definitely fits that bill Most men wanna leave the store with their purchases quickly as possible but even though women enjoy shopping more it turns out men still spend more than women in a typical year so while men might not enjoy the process of shopping as much. They still shopping. Just from a utilitarian standpoint sure yeah also that increase spending with the stats as well. There's there's a survey from wallet hub earlier this year. They showed that men are more likely to max out a credit card. Women are apparently seven percent less likely than men to have maxed out credit card at least once in so while women they might enjoy the shopping experience. More than men do a lot of different stats. Show that women are more cost conscious. They're more likely to shop at alice. Stores more likely to to wait till something they want is actually on sale The store brands more than men. And so you know when it comes to spending this this is definitely a win in this category for sure And so i i of see this as a call to min to stop spending so much money on neighboring items fan. Yeah i feel like. I'm totally guilty of this. I totally fall into the study. I don't like to go looking for the best deal. I do because i'm spending less but like i'll look at maybe two or three different sites and then i just purchase right whereas for you like i feel you are so good at hunting and making sure you're keeping your eyes on the best deals out there making sure that you're spending the the least amount of money possible. I feel that's something that we all need to make sure that we're doing right. And so you know regardless of who you are. We should all work to just become a little more conscious and how it is that we spend our money. I gotta say mets. I don't care whether you're man or woman but store brands should be high on your list because they're going to save you a ton of money it's just like in savings when you go for the storebrand over the name brand equivalent unless it's your craft beer equivalent And you're wanting to spend a little bit more on the because it makes you feel nice. Can't name brand everything though. I think i think sometimes that's a tendency here. Maybe that men have The men just gravitate towards the name brand no matter what it is without thinking about it and that's where we need to shake things up right and we we need to consider storebrand's more frequently also too. I think we've talked about this. The quality of store brand items has gone up a whole lot in recent years. Her kirkland signature brag. There's other ones too man. Like target has some great Store brands that are better than their name brand equivalent. Sometimes so yeah. It's not just costco yeah costco rockstar Let's see let's talk about saving as well. There's more good news here. It turns out that the the savings rate for women is actually higher than their male counterparts. They save a higher percentage of their pay. They spend less of what they bring in and much of. That is due to the more frugal. Tendencies that we just highlighted when we talked about spending differences but even the women are saving a higher percentage of their income on average. They've actually got less than thirty percent of what men have in savings accounts according to data from the federal reserve from a few years ago That is likely due to the fact that overall they're still making less like we discussed earlier which means a smaller amounts of money saved overall. Yeah one of the reasons. Women have a higher savings rate as well Is that according to a survey by. Us bank women of all ages value financial security more than men do. But here's the thing than that. Focus on financial. Security can often backfire. If you keep more of your overall assets and savings and cds instead of invested in the stock market right like savings for saving for long-term goals is really important but so is investing For the really long

Today Nineteen millions today think vic dot com dot com com five g
Should Women and Men Handle Money Differently?

How to Money

07:11 min | 3 months ago

Should Women and Men Handle Money Differently?

"So first of all. Let's talk about how you get money in the first place and that is earn it right and according to the pew research center Women earned eighty five percent of what men earned in two thousand eighteen That pay gap is shrinking Particularly for younger workers which is a positive trend but that is still a meaningful hurdle to overcome. The pay. Gap is partly due to to work history. You know like having kids great you know. But as we mentioned with the fidelity study earlier taking time off to have quetta's like it often leads to job offers in worse income prospects not to mention the years of not generating any income which often reflects years of not investing in a workplace retirement account in particular. If there's a match there right and those are some big disadvantages to overcome yell like you said at the beginning matt that stat also reflects some structural issues when it comes to male and female pay. But here's another thing to matt When we're talking about pay women are actually often averse to asking for more money than their male counterparts. There was a survey from ron saad. Last year the found that sixty percent of women have never negotiated with employer. Overpay women are also more likely to stay at a lower wage job to according to The personal finance web site the balance. And that's not good right because even just a small bump in pay with a new employer or in a job that been in for years can have just a massive impact on your ability to earn more throughout the years and then also save more for retirement. So i think of all of the things in this episode where we see. Maybe you know women as sex falling short. It is in in the ability to ask for more at knowing what they're worth again. This is another instance where you might be listening and you're thinking i've never had a problem negotiating a race like i've never had a problem asking for more money so again. It's important to keep in mind that though the research shows us like we know any totally doesn't apply to everyone. I'm specifically thinking of two conversations with Kirstin and julian saunders. The couple behind rich and regular that was episode. Eighty six and julianne was just bragging. About how great pearson is at negotiating. Evidently she's just like the queen negotiating more. Pay if you had to listen to that upset go back and listen to that one. Is that regardless of your gender. Earning more it's just so important right and all of us could stand to our abilities on that front And we've had lots of different conversations on the show that specifically cover you know not just stories of individuals negotiating but just how to go about doing that. I'm of Ramiz sadie that was Backing up said one ten and he outlined a great process a great method You know when it comes to wanting to up your salary. You know what steps you need to take. In order to negotiate a solid race gam thinking to matt had far new darabi on the show. She is just awesome personal finance expert and at the same time. She is someone who has made a killing as a small business owner. She knows her worth. she knows. how to negotiate. Yes so like you said there are many women out. there are crushing it. Who don't have a problem and asking for what they're worth. Who don't have a problem asking for a raise. It's just when you read those statistics. There are obviously a number of women who do though. And i wanna see. That number changed for the benefit of women as a whole absolutely. Let's about spending to do women spend more. That's an interesting question. My wife personally met hates to shop. I really. She just defies the stereotypes. And actually i don't know i don't mind shopping. A little bit roles are a little bit reverse exactly but there was a study by the wharton school of business that found that women are more likely to view shopping as a recreational activity. My mom definitely fits that bill Most men wanna leave the store with their purchases quickly as possible but even though women enjoy shopping more it turns out men still spend more than women in a typical year so while men might not enjoy the process of shopping as much. They still shopping. Just from a utilitarian standpoint sure yeah also that increase spending with the stats as well. There's there's a survey from wallet hub earlier this year. They showed that men are more likely to max out a credit card. Women are apparently seven percent less likely than men to have maxed out credit card at least once in so while women they might enjoy the shopping experience. More than men do a lot of different stats. Show that women are more cost conscious. They're more likely to shop at alice. Stores more likely to to wait till something they want is actually on sale The store brands more than men. And so you know when it comes to spending this this is definitely a win in this category for sure And so i i of see this as a call to min to stop spending so much money on neighboring items fan. Yeah i feel like. I'm totally guilty of this. I totally fall into the study. I don't like to go looking for the best deal. I do because i'm spending less but like i'll look at maybe two or three different sites and then i just purchase right whereas for you like i feel you are so good at hunting and making sure you're keeping your eyes on the best deals out there making sure that you're spending the the least amount of money possible. I feel that's something that we all need to make sure that we're doing right. And so you know regardless of who you are. We should all work to just become a little more conscious and how it is that we spend our money. I gotta say mets. I don't care whether you're man or woman but store brands should be high on your list because they're going to save you a ton of money it's just like in savings when you go for the storebrand over the name brand equivalent unless it's your craft beer equivalent And you're wanting to spend a little bit more on the because it makes you feel nice. Can't name brand everything though. I think i think sometimes that's a tendency here. Maybe that men have The men just gravitate towards the name brand no matter what it is without thinking about it and that's where we need to shake things up right and we we need to consider storebrand's more frequently also too. I think we've talked about this. The quality of store brand items has gone up a whole lot in recent years. Her kirkland signature brag. There's other ones too man. Like target has some great Store brands that are better than their name brand equivalent. Sometimes so yeah. It's not just costco yeah costco rockstar Let's see let's talk about saving as well. There's more good news here. It turns out that the the savings rate for women is actually higher than their male counterparts. They save a higher percentage of their pay. They spend less of what they bring in and much of. That is due to the more frugal. Tendencies that we just highlighted when we talked about spending differences but even the women are saving a higher percentage of their income on average. They've actually got less than thirty percent of what men have in savings accounts according to data from the federal reserve from a few years ago That is likely due to the fact that overall they're still making less like we discussed earlier which means a smaller amounts of money saved overall. Yeah one of the reasons. Women have a higher savings rate as well Is that according to a survey by. Us bank women of all ages value financial security more than men do. But here's the thing than that. Focus on financial. Security can often backfire. If you keep more of your overall assets and savings and cds instead of invested in the stock market right like savings for saving for long-term goals is really important but so is investing For the really long

Pew Research Center Women Ron Saad Matt Julian Saunders Ramiz Sadie Darabi Quetta Wharton School Of Business Kirstin Julianne Pearson Storebrand Costco Mets Kirkland Federal Reserve
"ramiz sadie" Discussed on How to Money

How to Money

05:33 min | 3 months ago

"ramiz sadie" Discussed on How to Money

"According to The personal finance web site the balance. And that's not good right because even just a small bump in pay with a new employer or in a job that been in for years can have just a massive impact on your ability to earn more throughout the years and then also save more for retirement. So i think of all of the things in this episode where we see. Maybe you know women as sex falling short. It is in in the ability to ask for more at knowing what they're worth again. This is another instance where you might be listening and you're thinking i've never had a problem negotiating a race like i've never had a problem asking for more money so again. It's important to keep in mind that though the research shows us like we know any totally doesn't apply to everyone. I'm specifically thinking of two conversations with Kirstin and julian saunders. The couple behind rich and regular that was episode. Eighty six and julianne was just bragging. About how great pearson is at negotiating. Evidently she's just like the queen negotiating more. Pay if you had to listen to that upset go back and listen to that one. Is that regardless of your gender. Earning more it's just so important right and all of us could stand to our abilities on that front And we've had lots of different conversations on the show that specifically cover you know not just stories of individuals negotiating but just how to go about doing that. I'm of Ramiz sadie that was Backing up said one ten and he outlined a great process a great method You know when it comes to wanting to up your salary. You know what steps you need to take. In order to negotiate a solid race gam thinking to matt had far new darabi on the show. She is just awesome personal finance expert and at the same time. She is someone who has made a killing as a small business owner. She knows her worth. she knows. how to negotiate. Yes so like you said there are many women out. there are crushing it. Who don't have a problem and asking for what they're worth. Who don't have a problem asking for a raise. It's just when you read those statistics. There are obviously a number of women who do though. And i wanna see. That number changed for the benefit of women as a whole absolutely. Let's about spending to do women spend more. That's an interesting question. My wife personally met hates to shop. I really. She just defies the stereotypes. And actually i don't know i don't mind shopping. A little bit roles are a little bit reverse exactly but there was a study by the wharton school of business that found that women are more likely to view shopping as a recreational activity. My mom definitely fits that bill Most men wanna leave the store with their purchases quickly as possible but even though women enjoy.

Kirstin julian saunders julianne two conversations couple Eighty six Ramiz sadie one wharton school ten darabi
"ramiz sadie" Discussed on Optimal Living Daily

Optimal Living Daily

10:00 min | 1 year ago

"ramiz sadie" Discussed on Optimal Living Daily

"Real quick I recommend listening to this show on spotify. Regan listen to all of your favorite artists and podcast in one place for free without prima count. spotify has a huge catalog of podcasts S.. On every imaginable topic Pasi can follow your favorite podcast so you never miss an episode. Premium users can download episodes to listen to offline wherever and whenever and easily share. You're what you're listening to with your friends on instagram. So if you haven't done so already be sure to download the spotify APP search for optimal living daily on spotify or browse podcasts. In the Your Library Tab also make sure to follow me so you never miss an episode of optimal living daily. It's a minimalist Monday edition of optimal living daily episode. Fourteen thirty eight eight how to make a decision and three reasons to seek other. Pov's both by Joshua Fields Millburn and Ryan Nicodemus of the MINIMALISTS DOT COM. And we very own personal narrator. Just Melik reading to you from the best blogs I can find. This is an award winning. Show thanks to you and I have to post today both from the minimalist us. So let's get right to them as we optimize your life how to make a decision by Joshua Fields Ios millburn and Ryan Nicodemus of the minimalists dot COM day. One the first step in any journey is often the most difficult this was true for our journey. Ernie into minimalism. Our first step had nothing to do with the task. We had a complete our first step was deciding or rather deciding. We wanted to make a significant change in our lives. Lives changes difficult men. Procrastination is easy. Malaise for the moment but there is no reward. Procrastination the most difficult part of creating lasting change is deciding to make that change a reality deciding to take action to kinds of decisions. Fundamentally there are are two kinds of decisions intellectual and emotional intellectually we knew we wanted to change in our lives. We were unhappy on satisfied and unfulfilled unfulfilled. We knew we didn't have freedom. Not Real Freedom. The problem was we knew these things intellectually but not emotionally. We didn't have the feeling in our guts that the things must change. We knew they should change. But that change wasn't a must should Verma's it's like anything else you tell yourself self I should change. I should stop wasting my money. I should work fewer hours as you get rid of all this junk. I shoot eat healthier food. I should exercise. This is my should Roy Moore. I should read more I should watch. TV I should I should I should after awhile. You end up shooting all over yourself which is an an apt analogy because he really do feel like after. Put everything off for so long after you've procrastinated over and over and over once you understand the necessity for change on an emotional level. You're able to turn your should 's into musts to accomplish this. We must begin to associate enough pain with our current circumstances and then equate commence pleasure with our new outcome. A mixture of enough pain combined with enough pleasure. This is how we change our goods into must this is the pivotal. Oh point does is when you get leverage. This is when you are compelled to take action. This how you make a decision. A decision is not a real decision until it is a must cost is not a real decision until you feel it on your nerve endings. Once you're should zero turn into must only then you have made a real decision. I must change. I must stop wasting my money. I must work fewer hours. I must get rid of all this junk. I must eat healthier food. My must exercise. I must must right more. I must read more I must watch less TV. I must I must I must. You're only exercise. Today is simple. Make make your must list. What are your must? What must change was brought pain into your life will bring great pleasure? Take as much time as you need. Read and write down all your Muss. I must my must. I must say you're must allowed to feel how much more powerful than must feel compared to your should goods. The should list is weak. Passive lethargic the must list is strong vigorous energetic. The Muss are alive. Live you must take action. Of course. This first day isn't even about taking action will take action every day after today and yet day one is the most difficult. Today's the day you must decide. Things must change. You know at least intellectually. You're not happy with how things are in your life. You can't have it both with ways. We can't want it to be one way when your actions are the other way if your actions are not congruent with your desires then you'll never feel happy. Never feel fulfilled never feel content. Take a look at your must have list but that list somewhere you will see frequently now. Stop everything you're doing and make a decision. Make the decision Asian to change your life to live the life you want to live. Don't just thinking about change intellectually. Feel it in your gut by the way. He can re our Muslim this when he get today to today is the best day of your life because today is the day everything changes. Today's the day you're should turn into must today's today's side. I had to take action. Today's the first day of the rest of your new simplified life a real quick thanks to anchor for hosting this podcast. Anger is the easiest way to make a podcast. They'll distribute your podcast for you so can be heard everywhere spotify apple apple podcast Google podcast and many more. You can easily make money from your podcast to with no minimum listenership anchor gives you everything you need in one place for free which you can use right from your phone or computer creation tools. Allow you to record and edit your podcast so it sounds great. Download the anchor APP or go to anchor DOT DOT FM to get started three reasons to seek other POV's by Joshua Fields Millburn and Ryan Nicodemus of the MINIMALISTS DOT COM. We all do what we do for a reason if you're reading a book browsing blog or watching the evening news you're in quest of other points of view. This journey discovery discovery of new world views is paramount for personal growth. There at least three reasons why people seek out other. Pov's some more steroid ache in terms of personal growth and others others number one validation most of the time people simply want to validate their own opinions and so we reviews of a movie which has washed to see if other people people felt the same as we did. This validation is okay to a point. Too much validation stifles creativity it kills individual growth. That's that's because if we're constantly chasing validation if we need our views to always match with someone else's Demo accomplished can't original thought for we get stuck in a state of perpetual crowd. Think I think what would so and so think about this. Instead of forming our own standpoints based on cerebration logic and reasoning ultimately the habitual hunt for validation unleash little room for rumination and thus little or no room for growth number two answers other times. People searched for alternate viewpoints viewpoints when they themselves can't form an answer. We've all been on the fence before and sometimes a trusted outlook is all. We need tips toward the right side. Like validation however are endeavouring for answers via others leases holding the bag for other folks. Decisions is easy to give advice but taking our own advice is often the hardest pill to swallow number three alteration every once in a while some people will examine a contrary attitude or sentiment not to validate their own opinion. And not even to find an answer. I answer but rather to change their own mind. This is where real growth happens more willing to step away from Dogma to step back from our own opinions and examined examined the world through a different pair of eyes. Sam Harris Stephen Fry and our friend Cal New York all do a phenomenal job of providing slants that force people to ponder once cannon an an often change their mind soliciting other perspectives is not only important is a necessary part of living fulfilled well rounded life but we need rely solely and others believed to shape our existence. We must think on our own to we must rely on ourselves first and use other. Pov's to augment our own positions additions. And sometimes when we don't have a good answer we must simply follow our hearts. You you just listen to the posts titled how to make a Damn decision and three reasons to seek other. Pov's both by Joshua Fields Millburn and Ryan Nicodemus of the minimalist dot com. Now gives us ending Nice and short for you today. Have a great rest of your Monday. Great Search Your Week and I'll see you tomorrow. Optimal Life Awaits Hey. This is Dan from the optimal finance daily podcast which is a lot like this show except more focused on personal finance. Justin hand picks the best post not confined from blogs and authors like Ramiz sadie Mr Money Moustache and more and I read them to you five days a week so if you enjoy this podcast come on over and subscribe. Subscribe to optimal finance daily. To and together we'll optimize your financial life. You've been listening to optimal living daily. Be sure to hit the subscribe button to stay up to date on each new episode and head to old PODCAST DOT com. That's L. D.. PODCAST ASKED DOT COM for a free gift as well as more actionable tips and resources to help you maximize your potential. Thanks for joining us and remember your optimal life. I four ways..

Ryan Nicodemus Joshua Fields Millburn spotify Joshua Fields Ios Regan Malaise Ernie Verma Roy Moore Justin hand New York Dan Sam Harris Stephen Fry Google apple
"ramiz sadie" Discussed on Optimal Living Daily

Optimal Living Daily

09:55 min | 1 year ago

"ramiz sadie" Discussed on Optimal Living Daily

"Real quick I recommend listening to this show on spotify Regan listen to all of your favorite artists and podcast in one place for free without prima count spotify has a huge catalog of podcast Asked on every imaginable topic Pasi can follow your favorite podcast so you never miss an episode premium users can download episodes to listen to offline wherever and whenever and easily you're what you're listening to with your friends on instagram so if you haven't done so already be sure to download the spotify APP search for optimal living daily on spotify or browse podcasts in the your library tab also make sure to follow me so you never miss an episode of optimal living daily this is optimal living daily episode fourteen fifteen the disease of more part one by Mark Man of Mark Manson Dot Net and I'm just a Malik happy Saturday welcome to one of the only podcast in the world where blogs are narrated to you for free with permission from the Authors and Websites and award winning podcast thanks to you for voting and I'll keep the central nice and short for the weekends get right to it and start optimizing your life the disease of more part one by Mark Manson of Mark Manson Dot net success is often the first step toward disaster the idea of progress is often that enemy of actual progress recently met a guy who despite having a massively successful business an awesome lifestyle happy relationship integrate network of friends told me with a straight face Houston me of hiring a coach to help him reach the next level when I asked him what this allusive next level was he said he wasn't sure and that's why he needed a coach to point out his blind spot Austin show him what he's missing out on oh I said and then stood there awkwardly for a moment gauging how brutally honest I was willing to be with someone I just met this guy was it's very enthusiastic clearly ready to spend a lot of money on whatever problem someone decided to tell him he had but what if there's nothing to fix I said remain he asked what if there is no next level what if it's just an idea he made up in your head what if you're already there and not only are you not recognizing it bye bye constantly pursuing something more you're preventing yourself from appreciating it and enjoying where you are now he bristled bit my questions finally he said I just like I need to always be improving myself no matter what and that my friend might actually be the problem does the famous concept in sports known as the disease of more it was originally coined by Pat Riley a hall of fame coach who has led sixteen NBA Championships and won as a player himself Riley said that the Aziz of more explains why teams win championships are often ultimately dethroned not by other better teams by forces from within the Organization itself the players like most people want more at first that Moore was winning the championship but once players have that championship is no longer enough the more becomes other things more money more TV commercials more endorsements and accolades more playing time more plays called for them more media attention et Cetera as a result what was once a cohesive group of hardworking men begins to fray egos get involved gatorade bottles are thrown and the psychological composition of the team changes what was once a perfect chemistry of bodies and minds become a toxic atomised mess players feel entitled to ignore the small unsexy tasks that actually win championships believing that they've earned the right to not do it anymore and as a result what was the most talented team ends of failing more is not always better psychologist didn't always study happiness in fact for most of the Fields History Psychology Focus not on the positive but on what people up what caused mental illness and emotional breakdowns and how people should cope with their greatest pains it wasn't until the nineteen eighties that a few intrepid academic started asking themselves wait a second my job is kind of a Downer what about what makes people happy let's study that instead there was much celebration because soon dozens of happiness books would proliferate bookshelves selling millions of copies to board angsty middle class people with existential crises but getting ahead of myself one of the first things psychologist did to study happiness was a simple survey they took large groups of people and gave them pagers remember this with the eighties and nineties and whenever the pager went off each person was to stop and write down two things number one on a scale from one to ten how happy are you at this moment and number two what has been going on in your life to cause these feelings and what they discovered was both surprising and actually incredibly boring pretty everybody wrote seven like all the time no matter what at the grocery store buying milk seven attending my son's baseball game seven talking to my boss not making a big sale to a client seven even when catastrophic stuff did happen mom got cancer missed a mortgage payment on the house junior an arm in a freak bowling accident happiness levels would dip to the to five range for a short period and then after a certain amount of time promptly returned to seven this was true for extremely positive events as well lottery winners dream vacations marriages people's raise would shoot up for a short period of time and then predictable they didn't settle back in around seven this fascinated psychologists nobody is fully happy all the time but similarly nobody's fully unhappy all the time either it seems humans regardless of our external circumstances live in a constant state of mild but not fully satisfying happiness another way things are pretty much always fine but they could also always be better but his constant seven that were all more or less always coming back to he plays a little trick on us and his trip that we fall for over and over again the trick is that our brain tells us you know if I could just have a little bit more at finally get to ten in stay there most of us live most of our lives this way constantly chasing are imagined ten you think to be happier you need to get a new job so you get a new job and later you feel like you'd be happier if you had a new house so you get a new house and then a few months later myth an awesome beach vacation see on awesome beach vacation and while you're on awesome beach or like you know what I fe- need a Pina Colada can't forget a Pina Colada around here and so you stress opinion collado believing that just one being collado will get you to your ten but then it's a second opinion Golota and then the third and then well you know how this turns out you wake up with a hangover and are at three but that's okay because you know that soon you'll be back at that seven to be continued sir you just listen apart one of the post titled The disease of more by Mark Manson of Mark Manson Don net a real thanks to anchor for hosting this podcast anger is the easiest way to make a podcast they'll distribute your podcast for you so can be heard everywhere spotify apple podcast us Google podcast and many more you can easily make money from your podcast to with no minimum listenership anchor gives you everything you need in one place for free you can use right from your phone or computer creation tools allow you to record in Eddie your podcast so it sounds great download the anchor APP or go to Anchor Dot FM they get started thank you mark while finish the rest tomorrow's episode in so true from my personal experience besides things like ongoing pain like physical pain I feel like this does tend to happen we put ourselves at around seven maybe down to a five to represent perfectly average and then we'll have those high days in the low days stay around average usually but then something will happen that could be seen as a major life improvement like a new car or something like that what always happens is that the new car becomes anew average over time so that becomes the seven and then he started thinking in that a new car after like a couple of months or maybe a year will provide that ten and maybe a does for like a week or a month but as humans we get used to everything things become routine normal I noticed as myself when I tried my mood everyday for few years everything was average Emma life changed I moved got new electronics or new car and yet few days here and there might have increased from those purchases belong term and went doc to average but the most consistent spikes up to eights nines and tens were actually not from more things necessarily but just by being around people I enjoy it any time with those were the highest rated days for me something to think about and something to try for yourself if you're interested they for being you're listening every day including the weekends and I'll be back tomorrow to finish up this post where your optimal life awaits. Hey this is Dan from the optimal finance daily podcast which is a lot like the will accept more focused on personal finance justin hand picks the best posts he can find from blogs and authors like Ramiz sadie Mr Money Moustache and more and. read them to you five days a week so if you enjoy this podcast come on over subscribed optimal finance daily to and together we'll optimize your financial life you've been listening to optimal living daily be sure to hit the subscribe button to stay up to date on each new episode and head to old podcast dot com that's L. D. podcast dot com for a free gift as well as more actionable tips and resources to help maximize your potential thanks for joining us and remember your optimal life always.

spotify Dan justin hand L. D. five days milk
"ramiz sadie" Discussed on Optimal Finance Daily

Optimal Finance Daily

01:35 min | 2 years ago

"ramiz sadie" Discussed on Optimal Finance Daily

"You. You just listened to the post titled credit card benefits and perks by Ramiz Sadie of I will teach you to be rich dot com and one more reminder that you can be part of book raffles, see pictures of all of us hosts and much more by searching for old podcast on Instagram and give us a follow. We'd love to see you there. And that'll do it for another installment of optimal. Finance daily have a happy Friday and a great weekend. Thank you so much, of course, for being here with me each and every day, and I'll see you back here on Monday where your optimal life awaits. Hello. Hi, fought the miser. This is Justin Malik creator and producer of this podcast. But also optimal living daily the show where I read to you from even more blogs covering finance productivity, minimalism personal development and more from incredible bloggers like Derek Sievers zen habits marketing, Joel the minimalists and all the ones you here on this show to Soviet enjoyed today's episode and like taking mazing blogs on the go come on over to optimal living daily and subscribe to that one too and together we'll start. Optimizing your life. You've been listening to optimal finance daily be sure to hit the subscribe button to stay up to date on each new episode and head till old podcast dot com. That's d podcast dot com for a free gift as well. As more actionable tips in resources to help you maximize your potential thanks for joining us. And remember, your optimal life away?

Ramiz Sadie Derek Sievers Justin Malik Joel producer
"ramiz sadie" Discussed on Optimal Finance Daily

Optimal Finance Daily

01:35 min | 2 years ago

"ramiz sadie" Discussed on Optimal Finance Daily

"You. You just listened to the post titled credit card benefits and perks by Ramiz Sadie of I will teach you to be rich dot com and one more reminder that you can be part of book raffles, see pictures of all of us hosts and much more by searching for old podcast on Instagram and give us a follow. We'd love to see you there. And that'll do it for another installment of optimal. Finance daily have a happy Friday and a great weekend. Thank you so much, of course, for being here with me each and every day, and I'll see you back here on Monday where your optimal life awaits. Hello. Hi, fought the miser. This is Justin Malik creator and producer of this podcast. But also optimal living daily the show where I read to you from even more blogs covering finance productivity, minimalism personal development and more from incredible bloggers like Derek Sievers zen habits marketing, Joel the minimalists and all the ones you here on this show to Soviet enjoyed today's episode and like taking mazing blogs on the go come on over to optimal living daily and subscribe to that one too and together we'll start. Optimizing your life. You've been listening to optimal finance daily be sure to hit the subscribe button to stay up to date on each new episode and head till old podcast dot com. That's d podcast dot com for a free gift as well. As more actionable tips in resources to help you maximize your potential thanks for joining us. And remember, your optimal life away?

Ramiz Sadie Derek Sievers Justin Malik Joel producer
"ramiz sadie" Discussed on The $100 MBA Show

The $100 MBA Show

12:29 min | 2 years ago

"ramiz sadie" Discussed on The $100 MBA Show

"Hey, there listeners today is free right Fridays. Make sure you hang onto the end of the episode to hear who won this week's free ride. Every Friday we give away a lifetime ever shipped to one of our programs this month. We're giving away. Easy course, our thirty day course, on how to build your own online course, it's a five hundred dollar value over at easy course, Zakho, but it could be yours for free. Just leave us an I tunes rating in a review and you enter our weekly random draw every Friday we announce a winner, and we do that every Friday until you win. So just leave us a review on items to get into the action, and you can win a free ride. All right. Let's jump at today's episode. To the hundred dollar show straight answers for your business every single day with our daily ten minute business lessons for the real world. I'm your host your coach teacher Omar's than home. I'm also the co founder of the hundred dollar MBA business training and community online. And in today's lesson. You will learn should you write a book to promote your brand many people call a well in book, one of the best business cards, calling cards, whatever you want to say that you can have it's like an entry point four clients or customers in today's episode. We're gonna explore if you're trying to promote your brand trying to get more traffic more clients is writing a book a good way to do that. If that's the main goal of the book to promote your brand can the book be successful. Is it worth your time? Your money your effort. Now, what are the options? If you want to go down that path we got a lot to cover and make sure we get you some answers in today's episode. So let's get into it. Let's get down to business. Today. Episode of the hundred dollar ratio is supported by earth class mail. If you run a business view lead a business address. But it doesn't mean you need to open up a business office, you can work from home and earth class Milkin hook, you up with a business address and scan all your mail, and uploaded to your count in the cloud. So you can check all your physical mail anytime anywhere. I love it. I love it. I love it. And we use with Gus mail because we love it so much an earth Melanson job with a free month to get started. Just go to earth class mail dot com slash NBA month. Again, it's earth class mail dot com slash and the month use coupon code NBA month. All right. Let's get into this. And let's get some honest answers when it comes to running a book to promote your brand I want to start with the raw truth here. The only business books or self-development books that actually help people's brands are successful ones period. Every book is not successful. If not enough people are reading it. If your books getting picked up in publications or write ups or reviews if your book is worth reading if it's not no worthy. It's not going to do anything for you. That's the raw truth. Yes. There's less than amazing books that hit the New York Times bestseller or Wall Street Journal bestseller. But that's because the people that launched these books are dumping, hundreds of thousands of dollars in marketing, and in my opinion, if you have that cash on hand, then writing a book just for the sake of promoting your brand and then spending all that money to market. It is thought the best use of marketing dollars. The reason why you may want to go down this path to promote your brand to write a book to a pro your brand is because you want to get the word out about what you. You stand for what you believe in what kind of information in value, you can add to people's lives and businesses. And if that information is significant enough, it can really take you to the next level can really take your business and brand to a different stratosphere of exposure. I couldn't even a few books that just took that person's brand and business to a whole new level. All teach you to be rich by Ramiz Sadie is a great example or Michael ports. Book yourself solid. He built a whole pisses based on the success of this book or many of Ryan holidays clients, come from the fact that obstacles away was a gray book that just spread like wildfire from NFL teams to celebrities. So really really ignited a fire for his brand. But here's the bottom line. You cannot have s it. You can't just do a half big job. You can't just see this as a marketing sort of exercise. No, you have to right. A quality book a book that's going to knock people socks off. That's going to provide them with insights in moments and practical advice, the book has to make a difference really to get people to talk about this. When order for your book to make an impact on your brand. It's gonna make impact on other people. So we talked before in a previous lesson on self publishing versus going with a publisher. And there's advantages and disadvantages for both. If you don't have an existing audience or an established brand already. It's going to be very hard to get a credible publisher to publish your book. Why because the publisher wants to sell books they want to make sure that you can move units that you already have an existing audience that you can sell to when you announce the release of the book somebody like Gary vein, or Chuck has no problem getting a publisher why because he's got a million followers on Twitter. He's got a tremendous Email this he is everywhere on YouTube Snapchat. He has an audience. So the publisher knows that they can. Bet on him. He's going to sell books. He also has a track record every book that he's released. It's been a New York Times bestseller. But even if you've ever published a book, but you already have an existing audience or do you have a podcast or a YouTube channel with a huge following or big social media presence? Then publishers will be willing to take a chance on you. None. The advantage of having a publisher is that you don't have to worry about publishing the book getting it printed and getting into stores and getting into to Amazon and a lot of times the publisher will do some of the marketing for you in this day and age much of the marketing is your responsibility. So you're going to have to push books push units as much as possible now, south publishing, you have no gatekeepers. You could do whatever you want an Amazon has a great system when it comes to self publishing, and there's lots of new books now that are being self published that are hitting some of these topless now with control means more work. You're going to have to do a lot more work. When you're self publishing your book, you're basically creating your own little publishing house as well as. Writing the book now hero. My quick tips on making sure that your book is beneficial to your brand number one. Make sure the book is on brand meaning that the content that you deliver must be similar to the service or product you deliver in your business. Why? Because if somebody read your book and loves what you just gave them they're going to want more, and you want to be able to deliver more the best way to do is make sure your book is aligned with your business, your brand your products or services. So I mentioned Michael port his latest book that he released was steal the show, which is a book about public speaking in your daily life as well as on stage. Now, if you read the book, you'll say, wow, this is a great book. I learned so much. I want to take it to the next level. Well, you'd look like a porn you realize, oh, he's got a whole coaching program. I can take a cultural public speaking. So you see how it's all lined. So the book actually promotes what he does an a good way to look at. It is the book is kind of like a one one class. Even though books can be, you know, two three four hundred pages you can't cover so much in that amount of pages. You can only cover certain aspects, and you want to make sure you get the basics or I would say the fundamentals of what you talk about what you provide. So they start there. They get value. They they kind of get the ball rolling. And then they can continue with your business. So it's got to be aligned with your business. Number two, the book Skopje great the book, again has to be great. It has to deliver on its promise. It has to deliver value. If you're a promising somebody something with the title of the book, you gotta make sure that you actually deliver that or people going to feel disappointed it's all about expectations. If I write a book about how to start a business for under a thousand dollars. But by the end of the book, you really can't do that. I don't give you the tools the steps the strategies than I didn't deliver my promise and people will be disappointed. They'll feel like they got you know, hoodwinked. So make sure you deliver on your promise. End that the content is brilliant number three has to be well written. There's nothing worse than this is an epidemic in business books. I've read a lot of business books that could be so much better. But it's written so poorly. It's hard to get through. But like, I really feel the difference. When I read a book that has been written poorly after a book that I've read that is really well written books that are written. Well are clear easy to understand. And it's faster to read. And when I say, well written that also means well, edited you need to make sure you have an editor to take your book seriously to unnecessary fluff to rewrite things that just don't make sense to revision things to make sure that you put things in the right chapters or in the right sequence a book is teaching in written form, you need somebody to structure your lessons, an editor can help you do that. The next hip is probably in my opinion, the one people neglect the most yet is so important. And that's that you have to budget. You have to put money aside. To market your book, any good, author news that most of the work is in the marketing of the book that the writing of the book, you gotta get on podcast. You've gotta get on shows got to be interviewed. You have to be written up. You have to market within your own audience. If the make sure that people know about your book and many authors have a hard time with this and want somebody to do a for them. Yeah. If you have a marketing team great. But if you don't you're going to throw up your sleeves and spend money and time on marketing so prioritize, otherwise book will flop and all your hard work is going to be wasted. You're not gonna be able to capitalize on making sure the book, promote your brand guys got more on today's topic. But before that, let me give love to today's sponsor. Sport for today. Show comes from net. Sweet has your company outgrown QuickBooks are shared spreadsheets manual processes and the legacy systems costing you time and money introducing net suite by oracle the business management software that handles every aspect of your business in easy to use cloud platform with knits, we you can save time money and unneeded headaches by managing sales HR, and finance and accounting instantly right from your desk or even your phone thousands of the best known fastest growing companies use to manage their business. And now it's available to you better yet. It's more affordable than you think. Because right now nets is offering you valuable insights to help you overcome the obstacles that are holding you back free. Don't miss out on unleashing your businesses full potential with this free guide crushing the five barriers to growth. You'll learn how to acquire a new customer increased profits and finally get visibility into your cash flow. Getting it tweets guide crushing the five barriers to growth at knits. We dot com slash NBA. That's net sweet dot com slash NBA. To download the free crushing the five barriers to growth guide today net sweet dot com slash NBA. One final. But huge piece of advice. I want to give you to wrap up today's lesson on is it a good idea to use a book to promote to write a book to promote your brand. If you're to go down this path to write a book or books to promote your brand. Then I would plan on writing more than one book being an author is a skill. It takes time and it takes effort, and it takes repetition and one of the best pieces of advice when it comes to this area that I've heard is from Ryan holiday, and he says one of the best ways to market a book is to write another book. Why because you've run right that second and third and fourth book, it might appeal to a different audience or different people or Iman just be marketed better and people will hear about it. And then when they read a good book from you, there'd be like, hey, what else has this author written, and they're gonna find that older book that you wrote and it's gonna market. So I would see this as a long-term plan. Not just like a once and done type of thing. Maybe see yourself like, okay. Let me commit to. In writing three books in the next five years, and with that in mind, you're going to know what to put in each book rather than trying to make one

NBA publisher New York Times Amazon Michael YouTube Zakho Omar co founder Skopje NFL Ramiz Sadie Ryan Iman editor Wall Street Journal
"ramiz sadie" Discussed on Optimal Living Daily

Optimal Living Daily

05:45 min | 2 years ago

"ramiz sadie" Discussed on Optimal Living Daily

"This is optimal living daily episode, ten forty one set smaller goals. Impress friends, get girls lose weight by Ramiz, AT vow teacher to be rich dot com. And I'm just a molecule narrator where I read blogs to you mostly, but sometimes books all with a plan to help you optimize your life taste both being from Ramiz Sadie is like he wrote this for guys but applies to everyone released. Don't worry about that. And before we get to the post, thank you to babble for their support. It would have been especially useful back when I was learning Spanish in high school, but great. If you're trying to pick up a language right now, Babbel's lessons are designed to get you speaking confidently in your new language and actually remember what you learn, and you can try babble for free, go to babble dot com or download the app and try it for free. That's Babbel b. a. b. b. e. l. dot com or download the after. Try it for free at Babbel dot com. So let's get right to it as we optimize your life. Set smaller goals. Impress friends, get girls, lose weight by Ramizi, developed you to be rich dot com. If you had a life threatening illness, would you take your medication? Of course, you might say not the average patient, though, even when facing death as apprising Lee, high percentage of patients don't take the medication prescribed to save their lives does is called patient compliance. And last night I was thinking about it in terms of behavioral change when I'll studying social influence and persuasion in college, I learned about social psychologists and medical practitioners attempts to affect behavioral change for good things like washing hands, eating, healthier, stay in touch with family at cetera, and how hard it really is. But remediate, you might say, if someone's going to die, you just give someone their medication. They'll take it if they don't, they're stupid. I might reply. I said, we have brought the Whitman grace of Shakespeare to the debate today, Jack, but in truth, getting people to change their behavior, whether it's going to vote clicking a button to buy something or taking life saving medication. Is far more complicated than just giving someone the appropriate information and trusting them to do it. Information influences the least effective form of influence. We learned over and over. So I'm interested in when I hear of people attempting to change their own behaviors. Last year friend of mine who was entering college started getting really into fitness. I think it was due to his laudable goal of getting some girls Kudo sir. Anyway, he started working on more than I would have expected in the morning running during the day than working out. Again at night. I told him how ridiculous I found that do you know people who get so into their idea is your that they go completely overboard in burn out for me, I'd rather do less but make it sustainable. The problem is that's rarely sexy. Instead if you're working out for five hours a day, you can point at your effort often just to yourself and say, look, I'm doing it, but would you rather feel satisfied at your efforts or would you rather get results through methodical process? Is I. Idea of sustainable change is core to personal finance. Sometimes I get emails from people who say things like Ramiz original entire site, and I started managing my money before spending five hundred dollars a week. Now I'm saving four hundred ninety five dollars of it and putting it into a Bank account. I read this in just sigh. While you might expect me to get really excited about someone contributing four hundred ninety five dollars a month to their savings of come to realize that was owned, goes from one extreme to another. The behavioral change rarely lasts in my experience. This is true and personal finance, fitness, studying and a bunch of other areas. When I make a change, I almost always make the most incremental change of all and work iterative -ly from there. This is why I just shake my head. When I see personal finance pundits giving families advice to go from zero percents savings rate to a twenty five percents savings rate. You can do it giving that kind of advice to someone is not useful if their habits have been set for years. That's why you find articles like eight lottery winners who lost their millions habits don't change overnight. And if they do, chances are it won't be sustainable. For example, if I started keeping a budget and discovered, I'll spending six thousand dollars a month. I do two things. I make a plan for getting my budget down to something reasonable. Second on immediately cut, ten percent. Ten percent isn't too high or too low, but it does add up to something concrete. Then a month later I'd say, hey, this business, Oh- bad and cut another ten percent off. And so on according to my own plan, the other way to do it Mr.. Look at your six thousand dollars a month freak out and cut half your spending, then you're suddenly in a completely different spending behavior without the means to cope. How long do you think your ambitious budget will last? How many friends do you hear saying? I'm not going to drink for a month or I'm the study for four hours a day for me. The next month isn't really important, and I don't understand. The point of short-term things like that a month from now. Okay. You only spent fifty percent of what you normally do and now what if you can reasonably expect that you'll bounce right back to your normal spending? What did you really learn? I can do it. You might say, while I'm glad, but I'd rather have people cut their spending by ten percent for thirty years instead of fifty percent for one month. Did you know that ninety five percent of diets fail as Randy Carnegie nutritionist at the Penn health for women notes quote, if ninety five percent of all diets fail, we have to assume is

Ramiz Ramiz Sadie Babbel dot Babbel Babbel b. apprising Lee Ramizi Randy Carnegie Shakespeare Penn health Jack ten percent four hundred ninety five dolla six thousand dollars ninety five percent fifty percent five hundred dollars thirty years
"ramiz sadie" Discussed on Optimal Finance Daily

Optimal Finance Daily

03:34 min | 2 years ago

"ramiz sadie" Discussed on Optimal Finance Daily

"Insurance. Here. Let me just tell you how much you spend by Ramiz Sadie of I will teach you to be rich dot com. Raining about personal finance is a curse. In many ways. It's like being cardiothoracic surgeon standing in line and watching someone buying a KFC bucket of fourteen thighs and legs right in front of you. You could say something, but it would be uncouth still. Sometimes I can't resist. I the situation I was at a holiday potluck and man people brought the best foods. There was the typical pasta cheesecake and salad. But then like a glorious peacock preening in the sun, someone walked in with a gigantic bag of McDonald's chicken nuggets with all the sauces shortly afterwards. Another person brought in KFC. I was stunned that someone would have the Dassin to bring McDonald's to a pod lock and I loved it. Anyway. I met this girl who found out I do personal finance stuff, and she started asking me about her 401K, but Romy she said, I don't make enough to max out my 401K. She works at Google, which has a very generous plan. Well, I told her she could either make more money cut costs or do nothing. She. Replied that she couldn't really cut costs. I'm not like all those other girls who go shopping. She told me I really don't spend a lot. This is when I got a gleam in my eye really. So I asked her how much she spends on rent and a few other things and did a quick calculation. I told her she probably spends about thirty thousand dollars a year on expenses. And she looked at me like Gumby had just walked into the room doing backflips and jumping jacks. She said it adds up twelve hundred dollars a month on rent a thousand dollars a month, recreation like going out vacation, Christmas gifts. Yes, you have to factor those in five hundred dollars a month, miscellaneous like gas, unexpected, medical and travel. As you can see, this is a really, really rough estimate that adds up to thirty two thousand four hundred dollars a year. The number stunned her. I continued eating chicken nuggets. First of all, if you do nothing else today, just do a back of the napkin calculation. Like I did to get a ballpark of what you spend. Then if you're working, compare your annual spending with your annual income after taxes. And see if you're spending more than you make. For example, if the potluck person had a forty thousand dollar income and thirty two thousand four hundred in expenses after taxes, she'd actually be spending more than she made. Please do this to see if you are spending more than you earn. If you're too lazy to do this. I hate you back to the girl. I suggested she read my two thousand six financial makeover table of contents or any book, and I made the same points. I always make you can't get rich if you don't know where your money is going. But I think there's a larger point that I'm starting to realize frugality would only get her so far. Sure. Now that she realizes how much she spending, she might cut ten percent off her budget and start investing it. That's great. But to the people I've talked to, they want more. We all want to save more spend more and make more which comes back to making more money. That's why I'm sort of torn between writing about the mechanics of saving banking, budgeting, and investing or working with what you have and personal entrepreneurship to make more. You just listened to the posts titled is galaxy about saving money or making you feel less guilty? And here, let me just tell you how much you spend both by Ramiz Sadie of I will teach you to be rich dot com. And that's going to do it for today. Thank you so much for being here and listening. And I will see you tomorrow in the Thursday show where your optimal life awaits.

Romy Ramiz Sadie Gumby McDonald KFC Dassin Google 401K thirty two thousand four hundr thirty thousand dollars twelve hundred dollars forty thousand dollar five hundred dollars thousand dollars ten percent
"ramiz sadie" Discussed on Optimal Finance Daily

Optimal Finance Daily

05:05 min | 2 years ago

"ramiz sadie" Discussed on Optimal Finance Daily

"This is optimal. Financed daily episode. Six seventy eight is for galaxy about saving money or making you feel less guilty. And here let me just tell you how much you spend both by Ramiz Sadie of I will teach you to be rich dot com and I am your narrator. Dan, welcome to another episode of optimal finance daily, where I read to you from some of the best personal finance blogs on the planet. And today I'm going to keep this intro nice and short for you. So let's get right to our two posts from remit as we optimize your life sir. Is frugality about saving money or making you feel less guilty by Ramiz. Sadie of I will teach you to be rich dot com. In the fascinating article, the green bubble. Why environmentalism keeps imploding Nord house and shellenberger site. This provocative study that has close parallels to frugality quote, it's easy enough to point out the insignificance of planting a garden buying fewer clothes or using fluorescent bulbs. But the ecological irrelevance of these practices was beside the point what downscale is offered was not a better way to reduce emissions, but rather a way to reduce guilt in two thousand seven. We asked environmentalists in focus groups about green consumption. None thought that consuming Greenwood do much of anything to address a huge challenge. Like global warming. They did it anyway. They said because it made them feel better and quote, what is the point of saving money on obsessing about small expenses, like law taste? Is it truly to save money? Or is it to reduce guilt? I'm curious to hear what you think. Although I will teach you to be rich readers are self selected against small frugality. I've always believed that you can't out frugal. Yeah. Way too rich, and it's not just about the math, three dollars a day doesn't really add up to that much. More. Importantly, it's about the psychology of big wins. Most of us are never going to completely stop spending money on the things we love, especially daily things like our morning coffee. So exportations to just stop buying those lobbies are invariably meaningless. Plus there's the paradox of choice. The more things we worry about the less we do have anything at all, and then there's guilt if there is one thing I hate, it's behavioral change based on guilt. Yes, guilt can cause you to change your eating habits or spending, but the attitude, no. And behavioral change is usually short-lived and ineffective in guilt. And our choices I wrote quote in college, I never understood the jackasses who would say they had tons of work to do and that they should work and we'll go to the library for thirteen hours where they would chat on AM read may be a total of twenty five pages and come back telling everyone they'd been at the library all day wiping their Br. How this smacks of stupidity. And when I saw this, I thank God that he made me at tall but frail man. Because if I were Mike Tyson sized, there will be some trouble for everybody. I've found that guilt is a hugely insidious influence for people, especially people. Our age were making decisions about classes, careers, money, and life because of guilt in a hugely disproportionate way. How many people do you know that major in econ because they're guilty about their parents paying one hundred sixty thousand dollars for them to attend college, or they go to law school where they choose some particular job because they should and quote how much of saving money is about guilt. Do we really feel guilty about splurging for dessert or buying those jeans, but then do it anyway. How many friends do we know who say, yeah, I really should save more money or do we create a conscious spending plan, decide strategically what we love and what we don't and spend accordingly. And I have another post from remained in just a moment, but I thank you to policy genius. Here's a disturbing fact over half of bankruptcies and mortgage foreclosures are caused by medical issues. If you get sick or injured over the course of your career, your employers sick leave might only cover you for up to three months. And while health insurance helps with medical bills, it doesn't replace lost income and that's where disability insurance comes in. It's a sensually income insurance. It protects your paycheck. If you're sidelined by an illness or injury and disability insurance can cover your lost income for months years or even decades and policy. Genius is the easy way to get it policy. Genius. Does all the shopping for you by comparing quotes from the top disability insurance companies to find you the best price, then they're licensed experts, managed the application process to save you time and the hassle policy genius has helped over four. Four million people shop for insurance and placed over twenty billion dollars in coverage. So if you rely on your income to get by compared disability insurance quotes with policy, genius dot com, we'll help you protect your paycheck at a price. That makes sense. You can get started online right now at policy. Genius dot com. Policy genius. The easy way to compare and by disability insurance.

Ramiz Sadie Dan Greenwood Mike Tyson one hundred sixty thousand dol twenty billion dollars thirteen hours three dollars three months
"ramiz sadie" Discussed on Optimal Living Daily

Optimal Living Daily

01:43 min | 3 years ago

"ramiz sadie" Discussed on Optimal Living Daily

"Think. You just listen to the post title. Take a walk on the dark side by Tiki Coleman of TK Coleman dot com. It's funny. I was just talking about paying attention to what you consume recently, which fits nicely with his articles, super and Saiful and something to think about. He's a great writer with a unique perspective which I already knew because I listened to his body casts. He's a host of to office hours and small business. Check those out and come by t k Coleman dot com for a lot more and to show him support in return for him, giving me permission to narrate his articles. It always means a lot when you go visit these authors all online and learn more about them. So please do that. I have his info linked in this episode subscription, but I'll leave it there for today. Thank you for listening and being a subscriber of the show. Have a great rest of your day and all see you tomorrow where your optimal life awaits. Hey, this is Dan from the optimal finance daily podcast, which is a lot like this show except more focused on personal finance. Justin hand picks the best posts. He can find from blogs and authors like Ramiz Sadie Mr. money, moustache and more. And I read them to you five days a week. So if you enjoy this podcast come on over and subscribe to optimal finance daily to and together we'll optimize your financial life. You've been listening to Optima living daily, be sure to hit the subscribe button to stay up to date on each new episode and head to old podcast dot com. That's oh, l. d. podcast dot com for a free gift as well as more actionable tips and resources to help you maximize your potential. Thanks for joining us and remember your optimal life awaits.

Tiki Coleman Ramiz Sadie Justin hand Dan five days
"ramiz sadie" Discussed on Optimal Finance Daily

Optimal Finance Daily

01:45 min | 3 years ago

"ramiz sadie" Discussed on Optimal Finance Daily

"Tip number seven earn more money earning more money gives you the freedom to spend more without feeling guilty about buying the things you love that's why my team and i have worked hard to create a guide to help you navigate all the systems that will help you earn more money today the ultimate guide to making money you can download a free copy in this article you just listen to part two of the post titled how to save money in seven systems by ramiz sadie i will teach you to be rich dot com and before we go one last time i have taken over the hosting duties for one of our newest shows in our network which is optimal business daily you can hear me narrate from a bunch of popular business bloggers each day of the week topics include freelancing entrepreneurship management marketing productivity and much more again that's optimal business daily and you can subscribe for free in apple podcasts spotify your amazon device and pretty much any podcast app and that'll do it for today thank you so much for being here have a great rest of your day and i'll see you back here tomorrow for the friday show that's where your optimal life awaits hello hi fop demise earlier this is justin malik creator and producer of this podcast but also optimal living daily the show where i read to you for even more blogs covering finance productivity minimalism personal development and more from incredible bloggers like derek sievers zen habits marketing joel the minimalists and all the ones you here on this show too so if you enjoyed today's episode an like taking meeting blogs on the go come on over to optimal living daily and subscribe to that one too and together we'll start optimizing your life.

joel apple amazon justin malik producer
"ramiz sadie" Discussed on Optimal Finance Daily

Optimal Finance Daily

01:47 min | 3 years ago

"ramiz sadie" Discussed on Optimal Finance Daily

"So you're passively putting money into it each month automated finances or the ultimate cure to never knowing how much you have in your checking account and how much you can spend when you receive your paycheck your money is funneled to exactly where it needs to go whether that be your utilities rent roth ira 401k or your savings account cash saving tip number three here that in tomorrow's episode you just listened to part one of the post titled how to save cash in seven systems by ramiz sadie of i will teach you to be rich dot com and this is a bit of a longer post so i broke it into two parts and i'm going to finish up the rest for you tomorrow before we go if you haven't already done so please check out our other podcasts we actually narrate a lot more blogs to you to help you optimize your life and to find all of our shows just search for optimal living daily wherever you're hearing this show and be sure to subscribe and that'll do it for today thanks as always for being here and being a subscriber i will be right back here tomorrow with you to finish up this post from remit so i'll see you there where your optimal life awaits hello hi fop the miser this is justin malik creator and producer of this podcast but also optimal living daily the show where i read to you from even more blogs covering finance productivity minimalism personal development and more from incredible bloggers like derek sievers zen habits marketing angel the minimalists and all the ones you here on this show to soviet enjoyed today's episode an like taking amazing blogs on the go come on over to optimal living daily and subscribe to that one too and together we'll start optimizing your life.

justin malik producer 401k
"ramiz sadie" Discussed on Optimal Finance Daily

Optimal Finance Daily

01:58 min | 3 years ago

"ramiz sadie" Discussed on Optimal Finance Daily

"This is optimal finance daily episode five eighty three how to save cash in seven systems part one by ramiz sadie of i will teach you to be rich dot com and i'm your host and narrator here on optimal finance daily my name is dan and i'm here each weekday reading to you from some of the best personal finance blogs on the planet and before we get into our content from ramiz today at want to remind you that i am not the only one in this podcast network we've got four other podcasts as well where we cover personal development and productivity health and fitness business relationships and more and all you have to do to get that great content is to search for optimal living daily wherever you're hearing this show and you can find all of our shows for now let's get right to today's post as we optimize your life how to save cash in seven systems part one by meets sadie of i will teach you to be rich dot com there are actually seven systems you can use to start saving cash today they are one set a savings goal to leverage sub savings accounts three utilize the envelope method for only use cash five pay down your loans six negotiate your bills seven earn more money using the systems i'm about to outline can save you hundreds of dollars a month make you more conscious of your spending and make you a thousand times hotter to the opposite sex seriously worked for me but i the mental model used to save money how to save cash quickly in classic i w t style we're going to cut through the bs with these cash savings systems that means no lectures on keeping a monthly budget or how you need to stop buying lunch and lots as every day instead we're going to give you actionable systems that you can use that will get you results because typical advice on how to save cash is terrible financial weird.

"ramiz sadie" Discussed on Optimal Finance Daily

Optimal Finance Daily

01:58 min | 3 years ago

"ramiz sadie" Discussed on Optimal Finance Daily

"So maybe the big takeaway for me is that, hey, if you have a very sealant personal experience with something, then no matter what the objective personal finance advice is your decisions will be colored with an experience. This is the availability heuristic at work parents. I be interested to hear what your thoughts are. You just listened to the post titled will I pay for my children's education by Ramiz Sadie of I will teach you to be rich dot com, and I'm going to keep this ending short for you today. But before we go, it would be great if you could come by old podcast dot com slash support and check out some of the different ways you can support the show. Most are totally free like sharing the podcast with a friend, writing a rating and review and more, and we'd really appreciate it. Again, the link is old podcast dot com slash support, and that's it for today. Thanks so much for being here and listening. I will see you tomorrow in the Thursday show. That's where your optimal life awaits. Hello, hypothe- miser. This is Justin Mahler creator and producer of this podcast, but also optimal living daily. The show where I read to you from even more blogs, covering finance, productivity, minimalism personal development and more from incredible bloggers like Derek Sievers, zen habits, marketing Joel, the minimalists and all the ones you here on this show to Soviet enjoyed today's episode. An like taking amazing blogs on the go, come on over to optimal living daily and subscribe to that one too. And together we'll start optimizing your life. You've been listening to optimal finance daily, be sure to hit the subscribe button to stay up to date on each new episode and head till old podcast dot com. That's L D podcast dot com for a free gift as well as more actionable tips and resources to help you maximize your potential. Thanks for joining us and remember your optimal life aways.

Ramiz Sadie Derek Sievers Justin Mahler producer Joel
"ramiz sadie" Discussed on Optimal Finance Daily

Optimal Finance Daily

06:45 min | 3 years ago

"ramiz sadie" Discussed on Optimal Finance Daily

"This is optimal finance, daily episode, five, fifty three will I pay for my children's education by Ramiz Sadie of I will teach you to be rich dot com and I'm your host and narrator Dan, I'm here each weekday reading to you from some of the best personal finance blogs on the planet and good news for you. I'm gonna keep this intro super short today. So let's get right to Ramiz post as we optimize your life. Will I pay for my children's education by meets satie of I will teach you to be rich dot com. This might be an odd topic, but I've been to two friends, weddings in the last three weeks. And all of a sudden I'm thinking of weird stuff anyway. I was watching Suzie. Ormond show the other day. I love it and two separate people called in asking about how to get out of debt. They were drowning and bills from credit card companies and Car Loans. Yet both of them were dutifully saving money towards their children's college education. This made me do two things. I, I took my burrito and almost hurled at the TV, but I had a covered in a wonderful blend of three hot sauces. So it was too delectable to let go. Also, it made me think about what I'm going to do for my kid's education. No, I don't have kids and probably won't for a while, but I think there are some interesting philosophical decisions behind how we treat money and our kids. It seems like the common American sentiment is of course I'll pay for my children's education if I can. I'm not sure it's so simple though. Maybe some parents can weigh in in the comments to first, let's distinguish between if you can pay, and if you can't, the people on Suzy's show were wrong. They should have been taking the money for their kids, education and. Using it to pay off their high interest debt being financially responsible means being able to take care of yourself in old age. So if you can't afford to save money for your kids than this is a simple question, the first category of people then are those who can't afford to help their children with educational expenses. Then there are the people who can afford to help with all of their children's education and they do so they cover it entirely. This is the second category. The third category is the one that interests me. It's somewhere in between. Maybe the parents are middle class and came contribute a little towards it. Maybe the parents are wealthy but want to teach their kids, the responsibility of paying for part of their education lessons from Stanford. Maybe it's my ignorance, but by the time my kids go to college, I expect to be able to pay for them. Don't we all? Let's just assume that's true for now. What will I do? I was thinking back to my time at Stanford. Okay. So contrary to popular belief, Stanford students are not a bunch of rich kids driving BMW's around and flaunting their wealth. That's USC. Yes, there are. Lots and lots of students from wealthy families. But interestingly, it's pretty hard to tell from just looking at the student body, everybody wears similar clothes and somehow the culture has developed. So it's just not cool to flaunt wealth. I felt right at home eating buffalo wings for dinner. But one thing struck me. Most of my friends had parents who were contributing one hundred percent of their educational expenses. He wasn't an anomaly it was extremely common. Now, part of this is understandable with a price tag of forty, seven thousand eleven dollars per year. Hardly anybody could be expected to shoulder at themselves and over half of Stanford students received some kind of financial aid, but at least from my anecdotal observations, it was almost always paid for by parents. And what's interesting is that a lot of the students couldn't imagine it any other way. Stanford is an anomaly that's not how it is at most other colleges. In fact, according to USA today, the average college senior graduated in two thousand six with more than nineteen thousand dollars in debt. And from talking to my friends at other schools, many of them are paying for themselves. This disparity between Stanford students and others made me realize two things. One, we take the cultural assumptions around us for granted, assuming that if it's true for our friends, it must be true for everyone. There's a psych term for this, but I can't remember anyone to. I don't know what I'll do for my kid's education, one of four, the idea of if you could afford to pay for your kid's education, why wouldn't you is pretty compelling? And just because lots of people have their parents pay for their education doesn't make them irresponsible, nor does paying for your own education necessarily make you responsible. But then I think about my family and get a different perspective. I was one of four kids in my family and we're middle class. I think back to how many activities we were all involved in. And I can't imagine how my parents had the time to take us everywhere or the money. That's why when college time came around, our parents told us plainly that we'd have to get scholarships to afford it. So we did my mom and dad taught us to worry about money. Last I get in, then the money will take care of itself. They always said and. When college application time came around, we each applied to dozens of scholarships. This strategy wait and it'll work out is plainly opposite of the stuff I talk about on this site. I write about planning investing for the longterm making a budget and more, but my parents strategy, if you can call it that work to by the time, we all finish our education. The retail price tag will top well over a million dollars, but we won't have paid nearly that our parents helped out where they could, but we use scholarships and grants and loans to cover the rest. I walked to work through the snow up hill assuming that I will have enough to completely cover my kids, educational expenses. Will I, at this point I'm thinking probably not. Honestly, I think part of it may be for the same reason as your parents say, when I was your age, I walked fifteen miles to work in the snow uphill. Maybe I think that earning scholarships grants and even taking on loans makes us a little more responsible. This isn't saying I'll stick them with all the bills, but maybe some or most with that said, I don't claim. Understand how Al feel as a parent. God knows. I still have a lot to learn about kids the other day. I was at a barbecue and I turned around from talking to someone knocked this infant over seriously though. Do you look at your feet wherever you're walking? I felt bad and apparently so did the little boy because he immediately started crying, of course, as a bent over to pick him up every single person at the barbecue stopped to look at us, the shrieking child and the confused rapidly, retreating guy, not knowing what to do. I tried to give him watermelon to quiet him down, but he just preferred to cry. Perhaps I met my match and persuasion on that fateful day anyway. Clearly I still have a lot to learn, but I'm still kind of on shore what I'll do from a strictly financial perspective in a few years, I might want to start saving money for my kid's education. That would be the smart thing to do, but my own experience growing up tells me, hey, assuming limited resources that we all have. Maybe I should focus them on today and help guide them with scholarships and other ways of funding later on down the line or the two mutually exclusive. Is this a case of the best decision versus to finish. Really smart one. I don't know. But just like when I wrote that buying a used car isn't the only Smart Choice. I've realized that this seemingly common sentiment of we must save for our kids. Education isn't the only way to go. So

Stanford Ramiz Sadie Suzie Ormond USA BMW Dan Suzy USC Al seven thousand eleven dollars nineteen thousand dollars one hundred percent million dollars
"ramiz sadie" Discussed on Optimal Finance Daily

Optimal Finance Daily

06:55 min | 3 years ago

"ramiz sadie" Discussed on Optimal Finance Daily

"This is optimal finance, daily episode, five, thirty eight. How to talk to your partner about money. The definitive script by Ramiz Sadie Vai will teach you to be rich dot com and I am Dan welcome to another edition of the show where I read to you from some of the best personal finance blogs on the planet, and I'm going to keep the intro nice and short for you today. So let's get right to Ramiz post as we optimize your life. How to talk to your partner about money. The definitive script by Ramiz Sadie of I will teach you to be rich dot com. Here's the definitive script on how to talk to your partner about money without nagging or making them feel defensive. I've included the exact word for word phrases to use along with the exact information. You need us this when you're getting married and moving in with your partner or getting serious about money bonus. Notice the psychological strategies being employed in the script. Remember how painful those define the relationship conversations were back in college. Now imagine you have to sit down and talk about money while wishing you could use the sweat from your forehead to drown yourself. Sure. You and your boyfriend or girlfriend might have had an occasional chat about money when you're getting serious, whether you're recently engaged or moving together or just at a point where your decision start to really affect each other. It's important to spend some time talking about your money and your financial goals. Talking about money with your partner might sound painful, but I promise you it doesn't have to be awkward as corny as it sounds. It can actually bring you closer together if you know what to ask and stay calm. And if your girlfriend or boyfriend isn't a nutjob with. Three hundred thousand dollars in credit card debt, the specific tactics aren't as important as your attitude going in. The key is to start by asking their advice. Yes, even if you don't need it, bring the topic up lightly. Hey, I've been trying to learn about money lately. What do you think about investing versus saving if you don't get an answer? Try this. Okay. Hey, I have another question. What do you think about my spending? Is there anything you think I should change? I guarantee you, they'll have an opinion on that and although you're sacrificing yourself, at least it'll get the conversation started after a few days ask for their financial advice again, what do you think? Should I pay off my credit card or my student debt? Of course, you already know the answer from page to twenty. Then a few days later, tell them you've been doing some more research. I picked up a book on personal finance and it had some really interesting stuff in it. You can say, what do you think about talking about our money together? It is optional to add something like the book is by an amazing weird. Gracious author named for meets Sadie and I visit his website every day. When you sit down to talk. Once again, start by asking your partners opinions. I know you use cash to pay for everything, but this guy says we should use credit cards to build our credit and track spending. What do you think the goal of this meeting should be to agree that money is important to both of you and that you want to work together to help each other with finances? That's it. If things go. Well, during your first conversation ask, if your boyfriend or girlfriend would be willing to sit down again to go over both of your finances together. Remember it's not about criticizing or noting things that are being done wrong. It's about figuring out ways to help each other so you can grow together. Here's some phrases. You can use your really good at X and I want you to help me with my finances. We're going to join our lives together and I want money to be a part of that one plus one equals three, which explains why you too can combine money smarts to create synergies. Note only NBA's or consultants can use this line with a straight face. The big meeting. This is the big day. When you both lay bare all your finances and work through them together. But remember it's not really such a dramatic step since you've been slowly working toward this for weeks, it should take about four or five hours to prepare for this meeting. You'll each want to bring the following a list of your accounts and the amount in each a list of debts and what the interest rates are in monthly expenses. See page one. Oh four. For details. Your total income. Any money that is owed to you in a list of short term and long term financial goals. When you sit down, put the paper aside and start by talking about goals from a financial perspective, what he wants, what kind of lifestyle do you expect? What about vacations in the next year? Does either of you need to support your parents then look at your monthly spending. This will be a sensitive conversation because nobody wants to be judged, but remember, keep an open mind show yours. I ask, what do you think I could be doing better? And then it's your partners turn. Spend some time talking about your attitudes toward money. How do you treat money? Do you spend more than you make? Why? How did your parents talk about. Money? One of my friends has horrible money management skills, which is confusing because she's so disciplined and smart after years of knowing her one day, she told me that her dad had declared bankruptcy twice, which helped me understand the irrational way. She approached money. The most important goal of this conversation is to set up a plan to manage your money, including your credit cards, Bank accounts, budget and investment accounts. Essentially, you want to work through this book with your partner. Your media goal should be to set up a few short and long-term savings goals such as a year end trip and or something a little more major, like buying a car or putting a down payment on the house. At this point, it's probably better not to run through all the numbers for a really large purchase because it can get overwhelming. Just set up a savings goal or two and set up an automatic monthly transfer for each of you longer term you and your girlfriend or boyfriend should work together to get on the same page with your money attitudes. When you set a goal together, like we're going to save enough to put a thirty thousand dollar down payment on a house. You'll both be able to commit to working toward it. You just listened to the post titled how to talk to your partner about money. The definitive script by remit Sadia by will teach you to be rich dot com and remit. Has a note on there at the end of the article which narrate for you. Also he says, this is part of chapter nine of my book. I will teach you to be rich. Notice how this isn't some abstract advice. It's the exact steps to take. So you don't spend the next thirty years nagging each other about money. If you're interested in more word for word scripts, knowing where you should put your money and specific recommendations on the best account. So your money works for you. Check out the book and you can find meets book on his site or do a search on Amazon or Google, and it'll pop right up for you. I'm gonna keep this ending short for you today. But before we go, I just want to remind you that would be great if you could come by old podcast dot com, slash support to check out some of the different ways that you can support this show and the other shows in our podcast network. Most of those things you can do or totally free, like sharing the podcast with friend. Writing a rating and review and more, and we would really appreciate it. Again, that link is old podcast dot com slash support. Oh, L D podcast dot com slash support. That's it for today. Thank you as always for being here and listening. I really appreciate it. And I'll see you in the Thursday show tomorrow where your optimal life awaits.

partner Ramiz Sadie Ramiz Sadie Vai NBA Sadia Amazon Google Three hundred thousand dollars thirty thousand dollar thirty years five hours one day