I Will Teach You To Be Rich — Blueprints. Why am I so damn lazy? And how can I stop being lazy? Perhaps our generation’s greatest failing is how lazy we are.
How many of my readers have sent me emails talking about how they want to change… how they want to improve their finances, earn more, or get healthier…or even READ my book (which is sitting under their bed)… but they simply can’t find the motivation to do so? They can’t stop being lazy. Thousands and thousands every year. Interestingly, we GENUINELY want to change our behavior. We simply cannot figure out how to stop being lazy. We do all kinds of things that seem intuitive, but are worthless at best, and counter-productive at worst.
Think about the most common things you want to change. All achievable. Over the last 12 years, I’ve developed several models for driving behavioral change. I publicize these behavioral models of these in a variety of places, and some I keep private. Important behaviors on how to stop being lazy. How to identify the invisible scripts that control our lives. I don’t usually watch Bollywood movies, but when your Indian mom asks you to do something — including watching a movie (matinee of course), getting the mail from the mailbox, or buying her a car — you do it.
Anyone with an Asian/Indian mother is nodding right now, fearful of the earth-shattering guilt trips that mothers have relentlessly honed over decades of surgical use and rigorous testing — and deservedly so. Not my mom, but you get the idea. Source unknown. Anyway, as I was watching this Indian movie, I started realizing how many invisible assumptions it revealed about Indian culture.
And then I took a step back and thought about the American movies I watch all the time…movies that also reveal a tremendous amount about our own culture. For example, would a fish know he’s swimming in water? Do Americans realize how many of their beliefs are pre-written by our societal values? For instance, in Indian culture, parents will sacrifice virtually everything for their son to succeed.
The Big Wins Manifesto. Compare two people trying to get an edge in life.
John, 28, earns $62,000/year as a project manager. He used to have $8,200 in credit card debt from overspending, but he’s been slowly paying it down over the last two years and now it’s at $6,400. How? He tried all the typical personal-finance advice: He set up a budget, he tried to cut back on his daily lattes, and he made sure to make a list of goals he wanted to achieve.
Yet last week, he took an honest look at his life and realized he’s still treading water. Chris, 32, earns approximately $120,000. The difference between the two people? John focused on tiny, meaningless tactics that experts told him he “should” do. Chris is, in fact, a real person — the only student who has joined every single one of my courses. A national reporter also wrote about Chris in a recent 6-page Fortune profile of my teachings. IWT students focus on Big Wins instead of minutiae. Get Rich Slowly - Personal Finance That Makes Cents. Spotlight on Community Banks: NerdWallet’s Top 10 Savings Accounts. With all the recent press surrounding big banks and credit unions, it’s easy to think they’re the only two types of financial institutions to choose from.
Local community banks are feeling overlooked, and we think it’s time they got their due. What are community banks, and what can they do for you? Generally defined as local banks with less than $1 billion in assets, community banks are largely known for being champions of small-business financing. They lend out roughly 66% of their assets to small businesses, compared with 22-27% at big banks. On the consumer side, community banks are equally notable for their personalized customer service and, in many cases, superior financial products. Community bank savings accounts beat the competition It’s hard to find high interest rates anywhere these days, but we found 10 savings accounts at community banks that beat the puny national average APY of 0.10% by leaps and bounds. Please visit each bank’s website for a full list of branch locations.