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Book Review: Moral Ambition by Rutger Bregman
There is a particular kind of restlessness that afflicts educated, capable people who have followed the expected path into stable, well-compensated careers and arrived at a nagging sense that something important is missing. They are not unhappy exactly. They are comfortable. But comfortable, it turns out, is not the same as meaningful, and the gap between the two has a way of becoming harder to ignore over time. Rutger Bregman’s Moral Ambition: Stop Wasting Your Talent and Start Making a Difference, published in Dutch in 2024 and in English in 2025, is written directly for those people. It is a provocation, a challenge, and in some respects a manifesto, aimed at high-achieving individuals who Bregman believes are squandering their talents on work that does not matter as much as it could. It is also, depending on your tolerance for moral urgency, either one of the most energizing books you will read this year or one of the most exhausting.
Who Is Rutger Bregman?
Rutger Bregman was born in 1988 in the Netherlands and studied history at Utrecht University and UCLA. He works as a journalist and author for De Correspondent, a Dutch reader-funded journalism platform that operates without advertising and prioritizes depth over speed. He is the author of several internationally translated books, most notably Utopia for Realists, which made the case for universal basic income and a shorter working week, and Humankind, which argued against the prevailing pessimistic view of human nature by drawing on historical and social science research.
Bregman became globally recognizable in 2019 when footage of his speech at the World Economic Forum in Davos went viral. Standing before an audience of billionaires and world leaders, he argued that the event was essentially a gathering of people who had gotten very rich by avoiding taxes and that the assembled philanthropists were treating the symptoms of inequality rather than its causes. The clip was watched tens of millions of times. It established him as someone willing to say what many economic journalists are reluctant to say in rooms where it might cost them access or goodwill. Moral Ambition channels that same directness into a longer-form argument about how talented people should choose to spend their working lives.
What the Book Is About
Moral Ambition opens with a challenge that sets its tone immediately. Bregman argues that the most talented people in wealthy societies are systematically funneled into careers in finance, consulting, law, and technology, not because those careers represent the highest contribution those individuals could make to the world, but because those careers offer the highest compensation, status, and social recognition. The result, he contends, is a massive misallocation of human talent. The people with the greatest capacity to solve the world’s most important problems are instead optimizing spreadsheets, writing legal contracts for corporate mergers, and developing algorithms for advertising targeting.
The book draws heavily on the effective altruism movement, particularly the work of philosopher Peter Singer and the organization 80,000 Hours, which helps people think about how to maximize the positive impact of their career choices. Bregman is not an uncritical advocate for effective altruism, and he engages with some of its limitations honestly, but he shares its core premise that the question of how to do the most good with your life is one that deserves serious, rigorous attention rather than being left to vague good intentions.
He profiles a range of individuals who have chosen to direct their talents toward high-impact work, including researchers working on neglected tropical diseases, policy advocates working on criminal justice reform, and journalists investigating institutional corruption. He uses these profiles to argue that meaningful, high-impact careers are not reserved for saints or martyrs. They are available to ambitious, intellectually serious people who are willing to redirect the drive and capability they currently invest in conventional success toward problems that actually matter.
The book also engages with the structural forces that make this redirection difficult, including the social pressure of peer comparison, the psychological comfort of deferred impact through charitable giving versus direct career change, and the ways in which elite educational institutions funnel talented graduates toward high-status conventional careers rather than toward the work where they could do the most good.
Lessons Readers Can Take Away
The most important lesson in Moral Ambition is the concept of counterfactual impact, an idea borrowed from effective altruism that asks not just whether your work does good but whether it does more good than the next best alternative. If you leave your job at a consulting firm, someone else will take it. The counterfactual impact of your individual presence in that role is likely small. If you redirect that talent to a problem where your specific skills are scarce and the need is urgent, your counterfactual impact may be enormous. Bregman uses this lens to argue that conventional career advice, which focuses on playing to your strengths in a competitive market, systematically undervalues the question of where those strengths are most needed.
For personal finance readers, this framework has a specific and interesting application. Financial literacy and financial capability are genuinely scarce resources in many communities. The person who understands compound interest, tax-advantaged accounts, and long-term investing occupies a position of significant knowledge advantage relative to people who lack that education. Sharing that knowledge, whether through community education, mentorship, or writing, is a form of high-counterfactual-impact work that most financially literate people never consider.
A second lesson concerns the psychological trap of earning to give as a substitute for direct engagement with important problems. Bregman acknowledges the effective altruism argument that earning a high salary and donating a significant portion of it can do more good than working directly on a problem. But he pushes back on the way this argument is sometimes used as rationalization for staying in comfortable, well-compensated work while telling yourself the donations justify it. Genuine moral ambition, he argues, requires honest examination of whether you are actually maximizing your impact or simply minimizing your discomfort.
A third lesson is about the role of status and social recognition in career decisions. Bregman draws on research showing that people systematically overestimate how much their career choices reflect their own authentic values and underestimate how much they reflect the desire for status, peer approval, and the validation of elite institutions. This insight is relevant well beyond career choices. The same dynamic operates in financial decision-making, where the desire for status through consumption, visible wealth, and keeping pace with peers drives enormous amounts of spending that has little relationship to genuine wellbeing or personal values.
A fourth lesson involves the distinction between being good and doing good. Bregman argues that most people who think of themselves as ethical concentrate on personal virtue, being honest, being kind, avoiding harm, and devote relatively little systematic thought to the question of how their time and talent could be directed toward making things better for people beyond their immediate circle. Expanding that circle of moral concern, and backing that expansion with actual choices rather than just sympathetic feelings, is what moral ambition requires.
Criticisms of the Book
Moral Ambition is a genuinely stimulating book, but it has real limitations that need honest examination.
The most significant criticism is one that has followed effective altruism more broadly: the framework can lead to a kind of technocratic moral calculus that is uncomfortably reductive about what constitutes a meaningful contribution to human welfare. Not all important work is easily measurable. Teaching children, caring for elderly parents, building strong communities, and maintaining democratic institutions are all enormously valuable activities that resist quantification in the way that, say, the number of malaria nets distributed does not. Bregman is aware of this critique and engages with it to a degree, but the book’s implicit hierarchy of high-impact work still tends to favor the quantifiable over the relational in ways that some readers will find unsatisfying.
A second criticism is that the book’s primary audience is clearly a narrow demographic: highly educated, high-earning professionals in wealthy countries who have options that most people do not. The moral urgency Bregman directs at this group is legitimate, but it can make the book feel irrelevant or even alienating to readers who are focused on basic financial stability rather than career optimization for maximum global impact. The person working two jobs to build an emergency fund and contribute to a retirement account is not wasting their talent. They are doing exactly what their circumstances require.
A third criticism is that Bregman, as in his earlier books, is more persuasive as a critic of existing arrangements than as a designer of alternatives. The book is excellent at diagnosing the problem of talent misallocation and at inspiring a sense of moral urgency. It is less excellent at providing specific, actionable guidance for how individuals in different fields and circumstances should actually navigate the transition from conventional to high-impact careers.
A fourth criticism is the book’s tone, which occasionally tips from inspiring into lecturing. Bregman is a gifted writer and his energy is infectious in the best passages, but the moral intensity of the argument can feel relentless across a book-length treatment, leaving some readers feeling hectored rather than motivated.
Should You Buy This Book?
Yes, with some important context about who will get the most from it.
Moral Ambition is best suited to readers who are already financially stable, have achieved a degree of security in their careers, and are beginning to ask what they want the second half or second chapter of their working lives to look like. For those readers, it is a genuinely galvanizing book that will push them to ask harder questions about their choices than most career advice literature bothers to raise.
For readers who are still building their financial foundation, working through debt, establishing savings habits, and developing investment discipline, this is probably not the right book for this moment. The psychological bandwidth required for the kind of career reinvention Bregman advocates is hard to access when basic financial security is not yet established. Getting the fundamentals right first, building an emergency fund, contributing consistently to a retirement account, automating savings, and living below your means, creates the stability from which bigger questions about purpose and impact become genuinely answerable rather than merely anxiety-inducing.
Pair Moral Ambition with Utopia for Realists and Humankind for the full arc of Bregman’s thinking, and with Thinking in Bets by Annie Duke for a more rigorous framework for evaluating the quality of the career decisions it will inspire you to make.
Final Thoughts
Moral Ambition is the kind of book that stays with you not because it gives you a comfortable answer but because it asks an uncomfortable question and refuses to let you off the hook with a vague intention to think about it later. The question is simple and genuinely hard: are you directing your talent and energy toward work that matters as much as it could? Most honest readers will answer no, at least partially, and the book gives them a framework for thinking about what a more honest answer might look like in practice.
Whether you end up agreeing with Bregman’s prescriptions or not, that question is worth sitting with. The intersection between financial decisions and values-based living is one of the most important and least discussed dimensions of personal finance. How much you need, what you are willing to trade for it, what you would do with your time if money were not the primary constraint, and what kind of contribution you want your working life to represent are questions that no spreadsheet can answer.
The financial independence that comes from living frugally, investing consistently in the S&P 500, and building genuine long-term security is valuable not just because it protects you from financial hardship. It is valuable because it creates the conditions under which questions like the ones Bregman is asking become genuinely open. Security without purpose is comfortable but incomplete. Moral Ambition makes that case with energy, honesty, and a moral seriousness that the personal finance genre could use considerably more of.
#BookReviews #Books #Business #HumankindAHopefulHistory #MoralAmbition #Nonfiction #Psychology #RutgerBregman #SchoolForMoralAmbition #UtopiaForRealists -
Book Review: Moral Ambition by Rutger Bregman
There is a particular kind of restlessness that afflicts educated, capable people who have followed the expected path into stable, well-compensated careers and arrived at a nagging sense that something important is missing. They are not unhappy exactly. They are comfortable. But comfortable, it turns out, is not the same as meaningful, and the gap between the two has a way of becoming harder to ignore over time. Rutger Bregman’s Moral Ambition: Stop Wasting Your Talent and Start Making a Difference, published in Dutch in 2024 and in English in 2025, is written directly for those people. It is a provocation, a challenge, and in some respects a manifesto, aimed at high-achieving individuals who Bregman believes are squandering their talents on work that does not matter as much as it could. It is also, depending on your tolerance for moral urgency, either one of the most energizing books you will read this year or one of the most exhausting.
Who Is Rutger Bregman?
Rutger Bregman was born in 1988 in the Netherlands and studied history at Utrecht University and UCLA. He works as a journalist and author for De Correspondent, a Dutch reader-funded journalism platform that operates without advertising and prioritizes depth over speed. He is the author of several internationally translated books, most notably Utopia for Realists, which made the case for universal basic income and a shorter working week, and Humankind, which argued against the prevailing pessimistic view of human nature by drawing on historical and social science research.
Bregman became globally recognizable in 2019 when footage of his speech at the World Economic Forum in Davos went viral. Standing before an audience of billionaires and world leaders, he argued that the event was essentially a gathering of people who had gotten very rich by avoiding taxes and that the assembled philanthropists were treating the symptoms of inequality rather than its causes. The clip was watched tens of millions of times. It established him as someone willing to say what many economic journalists are reluctant to say in rooms where it might cost them access or goodwill. Moral Ambition channels that same directness into a longer-form argument about how talented people should choose to spend their working lives.
What the Book Is About
Moral Ambition opens with a challenge that sets its tone immediately. Bregman argues that the most talented people in wealthy societies are systematically funneled into careers in finance, consulting, law, and technology, not because those careers represent the highest contribution those individuals could make to the world, but because those careers offer the highest compensation, status, and social recognition. The result, he contends, is a massive misallocation of human talent. The people with the greatest capacity to solve the world’s most important problems are instead optimizing spreadsheets, writing legal contracts for corporate mergers, and developing algorithms for advertising targeting.
The book draws heavily on the effective altruism movement, particularly the work of philosopher Peter Singer and the organization 80,000 Hours, which helps people think about how to maximize the positive impact of their career choices. Bregman is not an uncritical advocate for effective altruism, and he engages with some of its limitations honestly, but he shares its core premise that the question of how to do the most good with your life is one that deserves serious, rigorous attention rather than being left to vague good intentions.
He profiles a range of individuals who have chosen to direct their talents toward high-impact work, including researchers working on neglected tropical diseases, policy advocates working on criminal justice reform, and journalists investigating institutional corruption. He uses these profiles to argue that meaningful, high-impact careers are not reserved for saints or martyrs. They are available to ambitious, intellectually serious people who are willing to redirect the drive and capability they currently invest in conventional success toward problems that actually matter.
The book also engages with the structural forces that make this redirection difficult, including the social pressure of peer comparison, the psychological comfort of deferred impact through charitable giving versus direct career change, and the ways in which elite educational institutions funnel talented graduates toward high-status conventional careers rather than toward the work where they could do the most good.
Lessons Readers Can Take Away
The most important lesson in Moral Ambition is the concept of counterfactual impact, an idea borrowed from effective altruism that asks not just whether your work does good but whether it does more good than the next best alternative. If you leave your job at a consulting firm, someone else will take it. The counterfactual impact of your individual presence in that role is likely small. If you redirect that talent to a problem where your specific skills are scarce and the need is urgent, your counterfactual impact may be enormous. Bregman uses this lens to argue that conventional career advice, which focuses on playing to your strengths in a competitive market, systematically undervalues the question of where those strengths are most needed.
For personal finance readers, this framework has a specific and interesting application. Financial literacy and financial capability are genuinely scarce resources in many communities. The person who understands compound interest, tax-advantaged accounts, and long-term investing occupies a position of significant knowledge advantage relative to people who lack that education. Sharing that knowledge, whether through community education, mentorship, or writing, is a form of high-counterfactual-impact work that most financially literate people never consider.
A second lesson concerns the psychological trap of earning to give as a substitute for direct engagement with important problems. Bregman acknowledges the effective altruism argument that earning a high salary and donating a significant portion of it can do more good than working directly on a problem. But he pushes back on the way this argument is sometimes used as rationalization for staying in comfortable, well-compensated work while telling yourself the donations justify it. Genuine moral ambition, he argues, requires honest examination of whether you are actually maximizing your impact or simply minimizing your discomfort.
A third lesson is about the role of status and social recognition in career decisions. Bregman draws on research showing that people systematically overestimate how much their career choices reflect their own authentic values and underestimate how much they reflect the desire for status, peer approval, and the validation of elite institutions. This insight is relevant well beyond career choices. The same dynamic operates in financial decision-making, where the desire for status through consumption, visible wealth, and keeping pace with peers drives enormous amounts of spending that has little relationship to genuine wellbeing or personal values.
A fourth lesson involves the distinction between being good and doing good. Bregman argues that most people who think of themselves as ethical concentrate on personal virtue, being honest, being kind, avoiding harm, and devote relatively little systematic thought to the question of how their time and talent could be directed toward making things better for people beyond their immediate circle. Expanding that circle of moral concern, and backing that expansion with actual choices rather than just sympathetic feelings, is what moral ambition requires.
Criticisms of the Book
Moral Ambition is a genuinely stimulating book, but it has real limitations that need honest examination.
The most significant criticism is one that has followed effective altruism more broadly: the framework can lead to a kind of technocratic moral calculus that is uncomfortably reductive about what constitutes a meaningful contribution to human welfare. Not all important work is easily measurable. Teaching children, caring for elderly parents, building strong communities, and maintaining democratic institutions are all enormously valuable activities that resist quantification in the way that, say, the number of malaria nets distributed does not. Bregman is aware of this critique and engages with it to a degree, but the book’s implicit hierarchy of high-impact work still tends to favor the quantifiable over the relational in ways that some readers will find unsatisfying.
A second criticism is that the book’s primary audience is clearly a narrow demographic: highly educated, high-earning professionals in wealthy countries who have options that most people do not. The moral urgency Bregman directs at this group is legitimate, but it can make the book feel irrelevant or even alienating to readers who are focused on basic financial stability rather than career optimization for maximum global impact. The person working two jobs to build an emergency fund and contribute to a retirement account is not wasting their talent. They are doing exactly what their circumstances require.
A third criticism is that Bregman, as in his earlier books, is more persuasive as a critic of existing arrangements than as a designer of alternatives. The book is excellent at diagnosing the problem of talent misallocation and at inspiring a sense of moral urgency. It is less excellent at providing specific, actionable guidance for how individuals in different fields and circumstances should actually navigate the transition from conventional to high-impact careers.
A fourth criticism is the book’s tone, which occasionally tips from inspiring into lecturing. Bregman is a gifted writer and his energy is infectious in the best passages, but the moral intensity of the argument can feel relentless across a book-length treatment, leaving some readers feeling hectored rather than motivated.
Should You Buy This Book?
Yes, with some important context about who will get the most from it.
Moral Ambition is best suited to readers who are already financially stable, have achieved a degree of security in their careers, and are beginning to ask what they want the second half or second chapter of their working lives to look like. For those readers, it is a genuinely galvanizing book that will push them to ask harder questions about their choices than most career advice literature bothers to raise.
For readers who are still building their financial foundation, working through debt, establishing savings habits, and developing investment discipline, this is probably not the right book for this moment. The psychological bandwidth required for the kind of career reinvention Bregman advocates is hard to access when basic financial security is not yet established. Getting the fundamentals right first, building an emergency fund, contributing consistently to a retirement account, automating savings, and living below your means, creates the stability from which bigger questions about purpose and impact become genuinely answerable rather than merely anxiety-inducing.
Pair Moral Ambition with Utopia for Realists and Humankind for the full arc of Bregman’s thinking, and with Thinking in Bets by Annie Duke for a more rigorous framework for evaluating the quality of the career decisions it will inspire you to make.
Final Thoughts
Moral Ambition is the kind of book that stays with you not because it gives you a comfortable answer but because it asks an uncomfortable question and refuses to let you off the hook with a vague intention to think about it later. The question is simple and genuinely hard: are you directing your talent and energy toward work that matters as much as it could? Most honest readers will answer no, at least partially, and the book gives them a framework for thinking about what a more honest answer might look like in practice.
Whether you end up agreeing with Bregman’s prescriptions or not, that question is worth sitting with. The intersection between financial decisions and values-based living is one of the most important and least discussed dimensions of personal finance. How much you need, what you are willing to trade for it, what you would do with your time if money were not the primary constraint, and what kind of contribution you want your working life to represent are questions that no spreadsheet can answer.
The financial independence that comes from living frugally, investing consistently in the S&P 500, and building genuine long-term security is valuable not just because it protects you from financial hardship. It is valuable because it creates the conditions under which questions like the ones Bregman is asking become genuinely open. Security without purpose is comfortable but incomplete. Moral Ambition makes that case with energy, honesty, and a moral seriousness that the personal finance genre could use considerably more of.
#BookReviews #Books #Business #HumankindAHopefulHistory #MoralAmbition #Nonfiction #Psychology #RutgerBregman #SchoolForMoralAmbition #UtopiaForRealists -
Book Review: Moral Ambition by Rutger Bregman
There is a particular kind of restlessness that afflicts educated, capable people who have followed the expected path into stable, well-compensated careers and arrived at a nagging sense that something important is missing. They are not unhappy exactly. They are comfortable. But comfortable, it turns out, is not the same as meaningful, and the gap between the two has a way of becoming harder to ignore over time. Rutger Bregman’s Moral Ambition: Stop Wasting Your Talent and Start Making a Difference, published in Dutch in 2024 and in English in 2025, is written directly for those people. It is a provocation, a challenge, and in some respects a manifesto, aimed at high-achieving individuals who Bregman believes are squandering their talents on work that does not matter as much as it could. It is also, depending on your tolerance for moral urgency, either one of the most energizing books you will read this year or one of the most exhausting.
Who Is Rutger Bregman?
Rutger Bregman was born in 1988 in the Netherlands and studied history at Utrecht University and UCLA. He works as a journalist and author for De Correspondent, a Dutch reader-funded journalism platform that operates without advertising and prioritizes depth over speed. He is the author of several internationally translated books, most notably Utopia for Realists, which made the case for universal basic income and a shorter working week, and Humankind, which argued against the prevailing pessimistic view of human nature by drawing on historical and social science research.
Bregman became globally recognizable in 2019 when footage of his speech at the World Economic Forum in Davos went viral. Standing before an audience of billionaires and world leaders, he argued that the event was essentially a gathering of people who had gotten very rich by avoiding taxes and that the assembled philanthropists were treating the symptoms of inequality rather than its causes. The clip was watched tens of millions of times. It established him as someone willing to say what many economic journalists are reluctant to say in rooms where it might cost them access or goodwill. Moral Ambition channels that same directness into a longer-form argument about how talented people should choose to spend their working lives.
What the Book Is About
Moral Ambition opens with a challenge that sets its tone immediately. Bregman argues that the most talented people in wealthy societies are systematically funneled into careers in finance, consulting, law, and technology, not because those careers represent the highest contribution those individuals could make to the world, but because those careers offer the highest compensation, status, and social recognition. The result, he contends, is a massive misallocation of human talent. The people with the greatest capacity to solve the world’s most important problems are instead optimizing spreadsheets, writing legal contracts for corporate mergers, and developing algorithms for advertising targeting.
The book draws heavily on the effective altruism movement, particularly the work of philosopher Peter Singer and the organization 80,000 Hours, which helps people think about how to maximize the positive impact of their career choices. Bregman is not an uncritical advocate for effective altruism, and he engages with some of its limitations honestly, but he shares its core premise that the question of how to do the most good with your life is one that deserves serious, rigorous attention rather than being left to vague good intentions.
He profiles a range of individuals who have chosen to direct their talents toward high-impact work, including researchers working on neglected tropical diseases, policy advocates working on criminal justice reform, and journalists investigating institutional corruption. He uses these profiles to argue that meaningful, high-impact careers are not reserved for saints or martyrs. They are available to ambitious, intellectually serious people who are willing to redirect the drive and capability they currently invest in conventional success toward problems that actually matter.
The book also engages with the structural forces that make this redirection difficult, including the social pressure of peer comparison, the psychological comfort of deferred impact through charitable giving versus direct career change, and the ways in which elite educational institutions funnel talented graduates toward high-status conventional careers rather than toward the work where they could do the most good.
Lessons Readers Can Take Away
The most important lesson in Moral Ambition is the concept of counterfactual impact, an idea borrowed from effective altruism that asks not just whether your work does good but whether it does more good than the next best alternative. If you leave your job at a consulting firm, someone else will take it. The counterfactual impact of your individual presence in that role is likely small. If you redirect that talent to a problem where your specific skills are scarce and the need is urgent, your counterfactual impact may be enormous. Bregman uses this lens to argue that conventional career advice, which focuses on playing to your strengths in a competitive market, systematically undervalues the question of where those strengths are most needed.
For personal finance readers, this framework has a specific and interesting application. Financial literacy and financial capability are genuinely scarce resources in many communities. The person who understands compound interest, tax-advantaged accounts, and long-term investing occupies a position of significant knowledge advantage relative to people who lack that education. Sharing that knowledge, whether through community education, mentorship, or writing, is a form of high-counterfactual-impact work that most financially literate people never consider.
A second lesson concerns the psychological trap of earning to give as a substitute for direct engagement with important problems. Bregman acknowledges the effective altruism argument that earning a high salary and donating a significant portion of it can do more good than working directly on a problem. But he pushes back on the way this argument is sometimes used as rationalization for staying in comfortable, well-compensated work while telling yourself the donations justify it. Genuine moral ambition, he argues, requires honest examination of whether you are actually maximizing your impact or simply minimizing your discomfort.
A third lesson is about the role of status and social recognition in career decisions. Bregman draws on research showing that people systematically overestimate how much their career choices reflect their own authentic values and underestimate how much they reflect the desire for status, peer approval, and the validation of elite institutions. This insight is relevant well beyond career choices. The same dynamic operates in financial decision-making, where the desire for status through consumption, visible wealth, and keeping pace with peers drives enormous amounts of spending that has little relationship to genuine wellbeing or personal values.
A fourth lesson involves the distinction between being good and doing good. Bregman argues that most people who think of themselves as ethical concentrate on personal virtue, being honest, being kind, avoiding harm, and devote relatively little systematic thought to the question of how their time and talent could be directed toward making things better for people beyond their immediate circle. Expanding that circle of moral concern, and backing that expansion with actual choices rather than just sympathetic feelings, is what moral ambition requires.
Criticisms of the Book
Moral Ambition is a genuinely stimulating book, but it has real limitations that need honest examination.
The most significant criticism is one that has followed effective altruism more broadly: the framework can lead to a kind of technocratic moral calculus that is uncomfortably reductive about what constitutes a meaningful contribution to human welfare. Not all important work is easily measurable. Teaching children, caring for elderly parents, building strong communities, and maintaining democratic institutions are all enormously valuable activities that resist quantification in the way that, say, the number of malaria nets distributed does not. Bregman is aware of this critique and engages with it to a degree, but the book’s implicit hierarchy of high-impact work still tends to favor the quantifiable over the relational in ways that some readers will find unsatisfying.
A second criticism is that the book’s primary audience is clearly a narrow demographic: highly educated, high-earning professionals in wealthy countries who have options that most people do not. The moral urgency Bregman directs at this group is legitimate, but it can make the book feel irrelevant or even alienating to readers who are focused on basic financial stability rather than career optimization for maximum global impact. The person working two jobs to build an emergency fund and contribute to a retirement account is not wasting their talent. They are doing exactly what their circumstances require.
A third criticism is that Bregman, as in his earlier books, is more persuasive as a critic of existing arrangements than as a designer of alternatives. The book is excellent at diagnosing the problem of talent misallocation and at inspiring a sense of moral urgency. It is less excellent at providing specific, actionable guidance for how individuals in different fields and circumstances should actually navigate the transition from conventional to high-impact careers.
A fourth criticism is the book’s tone, which occasionally tips from inspiring into lecturing. Bregman is a gifted writer and his energy is infectious in the best passages, but the moral intensity of the argument can feel relentless across a book-length treatment, leaving some readers feeling hectored rather than motivated.
Should You Buy This Book?
Yes, with some important context about who will get the most from it.
Moral Ambition is best suited to readers who are already financially stable, have achieved a degree of security in their careers, and are beginning to ask what they want the second half or second chapter of their working lives to look like. For those readers, it is a genuinely galvanizing book that will push them to ask harder questions about their choices than most career advice literature bothers to raise.
For readers who are still building their financial foundation, working through debt, establishing savings habits, and developing investment discipline, this is probably not the right book for this moment. The psychological bandwidth required for the kind of career reinvention Bregman advocates is hard to access when basic financial security is not yet established. Getting the fundamentals right first, building an emergency fund, contributing consistently to a retirement account, automating savings, and living below your means, creates the stability from which bigger questions about purpose and impact become genuinely answerable rather than merely anxiety-inducing.
Pair Moral Ambition with Utopia for Realists and Humankind for the full arc of Bregman’s thinking, and with Thinking in Bets by Annie Duke for a more rigorous framework for evaluating the quality of the career decisions it will inspire you to make.
Final Thoughts
Moral Ambition is the kind of book that stays with you not because it gives you a comfortable answer but because it asks an uncomfortable question and refuses to let you off the hook with a vague intention to think about it later. The question is simple and genuinely hard: are you directing your talent and energy toward work that matters as much as it could? Most honest readers will answer no, at least partially, and the book gives them a framework for thinking about what a more honest answer might look like in practice.
Whether you end up agreeing with Bregman’s prescriptions or not, that question is worth sitting with. The intersection between financial decisions and values-based living is one of the most important and least discussed dimensions of personal finance. How much you need, what you are willing to trade for it, what you would do with your time if money were not the primary constraint, and what kind of contribution you want your working life to represent are questions that no spreadsheet can answer.
The financial independence that comes from living frugally, investing consistently in the S&P 500, and building genuine long-term security is valuable not just because it protects you from financial hardship. It is valuable because it creates the conditions under which questions like the ones Bregman is asking become genuinely open. Security without purpose is comfortable but incomplete. Moral Ambition makes that case with energy, honesty, and a moral seriousness that the personal finance genre could use considerably more of.
#BookReviews #Books #Business #HumankindAHopefulHistory #MoralAmbition #Nonfiction #Psychology #RutgerBregman #SchoolForMoralAmbition #UtopiaForRealists -
Book Review: Moral Ambition by Rutger Bregman
There is a particular kind of restlessness that afflicts educated, capable people who have followed the expected path into stable, well-compensated careers and arrived at a nagging sense that something important is missing. They are not unhappy exactly. They are comfortable. But comfortable, it turns out, is not the same as meaningful, and the gap between the two has a way of becoming harder to ignore over time. Rutger Bregman’s Moral Ambition: Stop Wasting Your Talent and Start Making a Difference, published in Dutch in 2024 and in English in 2025, is written directly for those people. It is a provocation, a challenge, and in some respects a manifesto, aimed at high-achieving individuals who Bregman believes are squandering their talents on work that does not matter as much as it could. It is also, depending on your tolerance for moral urgency, either one of the most energizing books you will read this year or one of the most exhausting.
Who Is Rutger Bregman?
Rutger Bregman was born in 1988 in the Netherlands and studied history at Utrecht University and UCLA. He works as a journalist and author for De Correspondent, a Dutch reader-funded journalism platform that operates without advertising and prioritizes depth over speed. He is the author of several internationally translated books, most notably Utopia for Realists, which made the case for universal basic income and a shorter working week, and Humankind, which argued against the prevailing pessimistic view of human nature by drawing on historical and social science research.
Bregman became globally recognizable in 2019 when footage of his speech at the World Economic Forum in Davos went viral. Standing before an audience of billionaires and world leaders, he argued that the event was essentially a gathering of people who had gotten very rich by avoiding taxes and that the assembled philanthropists were treating the symptoms of inequality rather than its causes. The clip was watched tens of millions of times. It established him as someone willing to say what many economic journalists are reluctant to say in rooms where it might cost them access or goodwill. Moral Ambition channels that same directness into a longer-form argument about how talented people should choose to spend their working lives.
What the Book Is About
Moral Ambition opens with a challenge that sets its tone immediately. Bregman argues that the most talented people in wealthy societies are systematically funneled into careers in finance, consulting, law, and technology, not because those careers represent the highest contribution those individuals could make to the world, but because those careers offer the highest compensation, status, and social recognition. The result, he contends, is a massive misallocation of human talent. The people with the greatest capacity to solve the world’s most important problems are instead optimizing spreadsheets, writing legal contracts for corporate mergers, and developing algorithms for advertising targeting.
The book draws heavily on the effective altruism movement, particularly the work of philosopher Peter Singer and the organization 80,000 Hours, which helps people think about how to maximize the positive impact of their career choices. Bregman is not an uncritical advocate for effective altruism, and he engages with some of its limitations honestly, but he shares its core premise that the question of how to do the most good with your life is one that deserves serious, rigorous attention rather than being left to vague good intentions.
He profiles a range of individuals who have chosen to direct their talents toward high-impact work, including researchers working on neglected tropical diseases, policy advocates working on criminal justice reform, and journalists investigating institutional corruption. He uses these profiles to argue that meaningful, high-impact careers are not reserved for saints or martyrs. They are available to ambitious, intellectually serious people who are willing to redirect the drive and capability they currently invest in conventional success toward problems that actually matter.
The book also engages with the structural forces that make this redirection difficult, including the social pressure of peer comparison, the psychological comfort of deferred impact through charitable giving versus direct career change, and the ways in which elite educational institutions funnel talented graduates toward high-status conventional careers rather than toward the work where they could do the most good.
Lessons Readers Can Take Away
The most important lesson in Moral Ambition is the concept of counterfactual impact, an idea borrowed from effective altruism that asks not just whether your work does good but whether it does more good than the next best alternative. If you leave your job at a consulting firm, someone else will take it. The counterfactual impact of your individual presence in that role is likely small. If you redirect that talent to a problem where your specific skills are scarce and the need is urgent, your counterfactual impact may be enormous. Bregman uses this lens to argue that conventional career advice, which focuses on playing to your strengths in a competitive market, systematically undervalues the question of where those strengths are most needed.
For personal finance readers, this framework has a specific and interesting application. Financial literacy and financial capability are genuinely scarce resources in many communities. The person who understands compound interest, tax-advantaged accounts, and long-term investing occupies a position of significant knowledge advantage relative to people who lack that education. Sharing that knowledge, whether through community education, mentorship, or writing, is a form of high-counterfactual-impact work that most financially literate people never consider.
A second lesson concerns the psychological trap of earning to give as a substitute for direct engagement with important problems. Bregman acknowledges the effective altruism argument that earning a high salary and donating a significant portion of it can do more good than working directly on a problem. But he pushes back on the way this argument is sometimes used as rationalization for staying in comfortable, well-compensated work while telling yourself the donations justify it. Genuine moral ambition, he argues, requires honest examination of whether you are actually maximizing your impact or simply minimizing your discomfort.
A third lesson is about the role of status and social recognition in career decisions. Bregman draws on research showing that people systematically overestimate how much their career choices reflect their own authentic values and underestimate how much they reflect the desire for status, peer approval, and the validation of elite institutions. This insight is relevant well beyond career choices. The same dynamic operates in financial decision-making, where the desire for status through consumption, visible wealth, and keeping pace with peers drives enormous amounts of spending that has little relationship to genuine wellbeing or personal values.
A fourth lesson involves the distinction between being good and doing good. Bregman argues that most people who think of themselves as ethical concentrate on personal virtue, being honest, being kind, avoiding harm, and devote relatively little systematic thought to the question of how their time and talent could be directed toward making things better for people beyond their immediate circle. Expanding that circle of moral concern, and backing that expansion with actual choices rather than just sympathetic feelings, is what moral ambition requires.
Criticisms of the Book
Moral Ambition is a genuinely stimulating book, but it has real limitations that need honest examination.
The most significant criticism is one that has followed effective altruism more broadly: the framework can lead to a kind of technocratic moral calculus that is uncomfortably reductive about what constitutes a meaningful contribution to human welfare. Not all important work is easily measurable. Teaching children, caring for elderly parents, building strong communities, and maintaining democratic institutions are all enormously valuable activities that resist quantification in the way that, say, the number of malaria nets distributed does not. Bregman is aware of this critique and engages with it to a degree, but the book’s implicit hierarchy of high-impact work still tends to favor the quantifiable over the relational in ways that some readers will find unsatisfying.
A second criticism is that the book’s primary audience is clearly a narrow demographic: highly educated, high-earning professionals in wealthy countries who have options that most people do not. The moral urgency Bregman directs at this group is legitimate, but it can make the book feel irrelevant or even alienating to readers who are focused on basic financial stability rather than career optimization for maximum global impact. The person working two jobs to build an emergency fund and contribute to a retirement account is not wasting their talent. They are doing exactly what their circumstances require.
A third criticism is that Bregman, as in his earlier books, is more persuasive as a critic of existing arrangements than as a designer of alternatives. The book is excellent at diagnosing the problem of talent misallocation and at inspiring a sense of moral urgency. It is less excellent at providing specific, actionable guidance for how individuals in different fields and circumstances should actually navigate the transition from conventional to high-impact careers.
A fourth criticism is the book’s tone, which occasionally tips from inspiring into lecturing. Bregman is a gifted writer and his energy is infectious in the best passages, but the moral intensity of the argument can feel relentless across a book-length treatment, leaving some readers feeling hectored rather than motivated.
Should You Buy This Book?
Yes, with some important context about who will get the most from it.
Moral Ambition is best suited to readers who are already financially stable, have achieved a degree of security in their careers, and are beginning to ask what they want the second half or second chapter of their working lives to look like. For those readers, it is a genuinely galvanizing book that will push them to ask harder questions about their choices than most career advice literature bothers to raise.
For readers who are still building their financial foundation, working through debt, establishing savings habits, and developing investment discipline, this is probably not the right book for this moment. The psychological bandwidth required for the kind of career reinvention Bregman advocates is hard to access when basic financial security is not yet established. Getting the fundamentals right first, building an emergency fund, contributing consistently to a retirement account, automating savings, and living below your means, creates the stability from which bigger questions about purpose and impact become genuinely answerable rather than merely anxiety-inducing.
Pair Moral Ambition with Utopia for Realists and Humankind for the full arc of Bregman’s thinking, and with Thinking in Bets by Annie Duke for a more rigorous framework for evaluating the quality of the career decisions it will inspire you to make.
Final Thoughts
Moral Ambition is the kind of book that stays with you not because it gives you a comfortable answer but because it asks an uncomfortable question and refuses to let you off the hook with a vague intention to think about it later. The question is simple and genuinely hard: are you directing your talent and energy toward work that matters as much as it could? Most honest readers will answer no, at least partially, and the book gives them a framework for thinking about what a more honest answer might look like in practice.
Whether you end up agreeing with Bregman’s prescriptions or not, that question is worth sitting with. The intersection between financial decisions and values-based living is one of the most important and least discussed dimensions of personal finance. How much you need, what you are willing to trade for it, what you would do with your time if money were not the primary constraint, and what kind of contribution you want your working life to represent are questions that no spreadsheet can answer.
The financial independence that comes from living frugally, investing consistently in the S&P 500, and building genuine long-term security is valuable not just because it protects you from financial hardship. It is valuable because it creates the conditions under which questions like the ones Bregman is asking become genuinely open. Security without purpose is comfortable but incomplete. Moral Ambition makes that case with energy, honesty, and a moral seriousness that the personal finance genre could use considerably more of.
#BookReviews #Books #Business #HumankindAHopefulHistory #MoralAmbition #Nonfiction #Psychology #RutgerBregman #SchoolForMoralAmbition #UtopiaForRealists -
LIVING NOW, PLANNING LATER: LESSONS FROM DIE WITH ZERO
I recently finished reading Die With Zero by Bill Perkins. The central idea is that the only guaranteed moment is the one you are living in right now, so the real question becomes: how do you maximize life, experiences, and finances in a way that still leaves your future self-supported?
It is a provocative idea because the tension between enjoying the present and preparing for the future is real and constant.
Over time, I’ve learned that for me, balance begins with understanding who you are, where you are, what you value, and how those values show up in your financial choices. When those pieces are unclear, any system, even the good ones, starts to crumble.
1. One Person’s Meat Is Another Person’s Poison
Many of us grow up in environments that blend shame, guilt, and unspoken expectations. These forces shape our relationship with money long before we ever earn a paycheque. When the messages around us tell us what we should want, how we should behave, or what a “responsible adult” spends on, it becomes difficult to know what we genuinely like, want, or value. This disconnection breaks our internal compass, leading to misalignment and autopilot habits we would never choose intentionally.
The first step in creating balance is naming without shame what a good life looks like for you. Not the version you think you should want, or the version your family, friends, or social media celebrate, but the one that fits your actual personality and priorities. The next step is accepting the cost of that vision.
Every meaningful life has a cost, financial or otherwise. When you accept those costs, you reduce the likelihood of reaching the end of life filled with regret about the things you never allowed yourself to do.
Ideally, you should look at your bank statement and clearly see your values reflected. Instead, many of us spend and save unintentionally. We follow generic financial scripts—save a million dollars, retire at sixty-five, invest aggressively, deny yourself now and reward yourself later—without pausing to evaluate whether those goals align with the life we want.
Consider:
• How would I live if I had one day left? One month? One year? Twenty years?
Your answers will shift, and the shifts matter.
• What spending brings guilt or shame?
• Does that feeling come from misalignment with your own goals, or from messages inherited from others?
• What trade-offs am I making when I choose to save, spend, or prioritize something?
Your honest answers shape your financial behavior more than anything else.
2. Know your numbers (without obsessing)
My sister once walked into the bank because every month her credit card bill shocked her. She was convinced some digital creature was secretly siphoning her money. The bank representative pulled up her statements, and she was forced to confirm that, yes, she had authorized every single purchase.
She did not even feel guilty about how she spent—she simply was not in control. Many of those purchases were not intentional, so she did not enjoy them.
You need to know where your money goes, but it does not need to be complicated. Start with the basics. List your fixed costs: rent, groceries, insurance, debt payments. Then estimate your variable costs: entertainment, dining, and hobbies.
Pull three to six months of bank and credit card statements and find your averages. This gives you a realistic baseline for what “normal” looks like.
You do not need to track every cent. Once you understand your baseline, you can make calmer and more informed decisions.
3. There are seasons
A major takeaway from Die with Zero is the idea of time buckets, recognizing that life has seasons and each season allows for different types of experiences. As you age, your energy, health, and interests shift. I still enjoy traveling, but the idea of shared bathrooms and cold meals now feels miserable. In my twenties, I tolerated it easily, sometimes even enjoyed it. Instead of traveling frugally with friends during that season, I spent much of that time working toward money goals that ultimately felt hollow.
Money only matters when it’s connected to a purpose. For me, that purpose now includes being in community, helping my family, and making art I love.
If your income barely covers essentials, your priority might be building breathing room, a small emergency fund, paying off a high-interest debt, or creating a side stream of income. If you already have savings, then the question becomes whether your spending aligns with your actual goals or whether it’s driven by fear or habit.
Instead of a lifelong bucket list, create decade lists: experiences and goals for your twenties, thirties, forties, and beyond. This brings clarity and makes financial decisions more meaningful.
4. Time is an important ingredient
This is where my perspective diverges slightly from Perkins. He describes a friend who borrows money to travel in his twenties. Perkins argues that “borrowing from your future self” can enhance early adulthood if the debt is modest and not high interest.
I understand the logic, but my bias is different: for nonessential expenses, if you cannot afford something, you should generally avoid borrowing to make it happen.
Many people already struggle with debt and low savings, and catching up later becomes unrealistic. Time itself is powerful. The earlier you start saving or investing, the less you have to contribute because compounding does most of the work.
For example, someone who saves $200 per month from age 25 to 35 and then stops can end up with more at retirement than someone who starts at thirty-five and saves until 65. Time multiplies effort in a way nothing else can.
5. Once you set your intention, automate it
James Clear’s Atomic Habits emphasizes removing friction. If your goal is to save, automate your transfers so money moves into savings or investments before you can touch it. Automation protects you from indecision, forgetfulness and emotional decision-making. You don’t need to check accounts constantly or react to every market dip. Review your plan once or twice a year, or when major life changes occur, but avoid endless tinkering. Consistency, not perfection, is what makes the difference.
6. Make space for joy
The goal is not money itself but what money allows: time with family, meaningful experiences, generosity, creativity or peace. Plan joy with the same seriousness you plan savings. Budget for dinner, the trip, the celebration. Remove the guilt and the outside opinions. You can live in the present and prepare for the future if you define what “enough” looks like for both.
#billPerkins #CHIDINMAMBANEFO #Column #dieWithZero #fixedCosts #personalFinances #poison #selfImprovement #severance #spareChange
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Hi friends Sam Dogen a financial advisor they say that in the year 2018 he was going to watch Soft Ball game with his friend Bob on a weekend there Bob had bought his new Tesla Model 3 car which was selling a lot in the market Bob was doing a lot of show off there that how does this car run
on autopilot he was driving his car with his I phone and was saying many interesting things like I heard this in news recently on 9th September a lady gave birth to a baby in Philadelphia in the front seat of Tesla and the delivery happened, when Tesla was running on auto pilot because of which,
that baby is also called as World’s First Tesla Baby so Bob was saying such interesting things to everyone Sam was shocked by listening to all these things he was shocked because that how did Bob a 31 year old pre school teacher had bought a $53,000 car which is obviously a lot of money
according to Sam it was their biggest financial mistake which he shouldn’t have done and at the same time, there was a hype about Tesla after listening to all those things, Sam drove that car one day he says that the experience of driving this was very different even he liked the Tesla Model
3 and even he wanted to buy that car but because this car was very costly to him and as he was a financial advisor, he didn’t want to do that mistake so as a financial advisor what he did was instead of buying this $53,000 car he started calculating it’s opportunity cost where he saw,
if he invest this much money of his Savings what can be better opportunity for him than this car then he started doing research about Tesla Company or Elon Musk’s company he started to realize about this company potential and finally after doing all these things he decided
that instead of buying a Tesla Model 3 of $53,000, will buy the Tesla Stocks worth $53,000 in October 2018 on the per share value of $298 bought the Tesla stocks and guess what after some time, these Tesla stocks reached $367 by doing this he had got a Profit of $11,500 and he
didn’t want to sell that and after 6 months, when there were some problems in the company because of a Tweet of Elon Musk, the stocks came down to $179 then their Profit of $11,500 converted to a loss of $20,000 but still he didn’t sell his stocks he was still now fast
forward after 2 years, where the entire world market crashed there Tesla stocks were rising then Sam thought, just like last time, these stock will fall one day then what Sam did was, at $888 per share value sold his 75% stock because he didn’t want to handle the volatility of this market due
to which he got a lot of Profit but ya the fact was, after some time Tesla stocks reached to $1,126 thinking of which Sam regretted but as it is said that Hindsight is always 20/20 after doing things we feel that we shouldn’t have done it, but anyways Sam had booked a good
Profit and then he was thinking how stupid Bob is even he should have bought the stocks instead of the car do you know the interesting part was Bob whom he was thinking is stupid he was investing a lot of his money in Tesla, from a long time because of which he had generated a lot
of Profit and with some part of the Profit he bought Tesla Model 3 look friends the things we should learn from this story is wealth is not like that as we think it is many time when you think people are less capable than you you think that they are financially
behind you well many time is is not necessary that they are behind you many times many people do well financially but since all their wealth is in their investment which we can’t see, so they won’t look rich many times and many times even if they look so, they look stupid which is not
always the case ya being financially free doesn’t mean that you have a lot of wealth which is visible to people by which you can live a luxurious life no but the meaning of being financially free is you live a comfortable life where you don’t worry about money where your money keeps you
safe and work for you now Author Jonathan Clements in their book From Here to Financial Happiness in this book they share 77 short lessons I will merge all those points and share with you 4 practical steps which will help you to be financially free as with that as I had gifted you
Shares of Google few weeks ago in this CashNews.co I will gift Tesla’s Shares how? well to know that keep watching the CashNews.co let’s come to lesson no. 1 which is No saving with Debt author says to start your financial freedom
journey first you have to do one thing that is clear all your Debts clear the Loan and this is the most basic rule of Finance that if you
have any kind of Debt specially bad Debt you cannot start your investing journey author says, some people start long term investing with their Debt where they will be paying their Debt and also doing some investment by this their
process of becoming financially free, slows down so author says first clear all your small Debts like mobile phone, laptop emi, car Loan and such things which you can finish early ya sometimes the big amounts like home Loan that can’t be easy
to clear, those are exceptions, keep them aside but clear your small Debts plus the author also says, to use Credit cards wisely because US Department of Labor had did a research on 7,900 citizens of age 20 to 40 by that we know that, those who were at high
Credit card Debt their stress was affecting their physical health overtime by which they faced many problems in daily life pain in joints and stiffness and were facing many problems you should know how you are using your Credit card for not only
your mental peace but also physical health many people don’t know that by using Credit cards the interest starts and it’s amount keeps increasing and there is a solution related to it, which you will know in 4th point but first remember that that clear all your
Debts as much as possible after that start your Savings journey properly Lesson no. 2 Financial safety net this might have even happened with you something needs repair in your home, like your phone is broken or your T.V is not turning on on there is a problem in
the engine of your car or bike like I remember my friend was saying, that the graphic card of his computer was spoilt the price was very high, at that time he didn’t had money to buy it so somehow he started working without graphic card at that time he didn’t had Credit
card and he didn’t want to borrow money from someone he he decided that next month when he gets Income he will buy the graphic card with that Income now look, many people are just like this if there is any problem, for it’s solution they use their
Credit card or depend on next salary if something happens they say, they will do it from next month do the EMI many times but author says, no one thinks what if their source of Income stops many people are salary based and their job is their main source of
Income there are only few people who have passive Income if their main source of Income dies of any reason job went or anything, even then, they will have a different source of Income on which they can depend on now as it was seen
during Covid time where many people lost their job and were destroyed completely so well what is it’s solution, the author says If you want to feel better about your none;">Finances today then you should spend more time thinking about what you are gonna pay for tomorrow which means basically author is saying us here we have to create an emergency fund you store your money, at a place where you can use it even after loosing your main source of
Income you cannot spend this money on any random things like for vacation, for buying a car or anything no here you have to create an emergency fund which should be the backup of your main Income source because of which, in case something happens and you loose your
job you will not get a new job until you can survive and be safe and how to do that, well to do that author says that you have to calculate your monthly expenses let’s say your monthly expenses is 20,000 rupees you should at least keep 1,20,000 rupees safe at side which is your emergency fund
if there is any problem, like covid, lock-down even then you will have a buffer time of 6 months where you can do many things, can find a job or create a new source of Revenue which will be very helpful for your survival and your respect Lesson no. 3 Invest conservatively and buy
stocks with caution to increase your wealth J Walk when they launched a website Priceline of discount offer in the early 2000’s by this their Net Worth reached $1.8 Billion in just one year and at the other side the world’s greatest investor Warren Buffet they had to
wait 55 years to earn their first Billion Dollars look there is how much difference but the thing is J Walk’s Income was not sustainable everyone knew that this dotcom bubble will burst and when that bubble burst, by end of October 2000 in just a few months, out of billions
of dollars of J walk only 33 Million Dollars were left and Warren Buffet were into the top 1% richest club of the world and are still today and for the coming many years, he will be in the top 1% list the reason behind this is, Warren Buffet, is investing from past 7 decades and he had rarely sold
his Shares so even the author says, if someone wants to be financially free so to invest your money Stock Market can be a very good place to you where you get not only returns, but the company pay you Dividends many times which means they share
some percent of their Profit to their share holders for example you might know that Warren Buffet is a major share holder of Coca Cola so the C.E.O of Coca Cola he gets the highest 16 Million Dollar salary per year on the other side, Warren Buffet by the Dividends
of Coca Cola earn 547 Million Dollars so you might have understood where to invest to become financially free author says when you think long term to invest in Stock Market you don’t need to understand any rocket science but the companies which you know about properly or
better use their products daily which you are using from many years, which you believe on you like those products it will be good for you to invest in such companies and one of the most successful Mutual Fund manager Peter Lynns, who had wrote many good books on investment even he says the same
thing you should invest in such companies whose products you use or you know better about them whose products you like and you believe on as many people use I phone eat Maggie, drink Coca Cola use Tesla Cars so it can be good for you to invest in such companies as it was proven in the starting
story and here you don’t need to see the daily fluctuations of the market in the Intelligent Investor, the mentor of Warren Buffet, Benjamin Graham, even they say in their book that we should not focus on the daily fluctuations of the market but you should just pick the good companies and
invest in that for long term this will give you very good returns in long run now look friends ya there are many Unicorns in India, which are doing very well and there are many companies in America which are giving exponential returns it can be easy to find them, because of their technological
innovations so we Indians should know about this opportunity that we can benefit from the opportunities of the growth outside so you can make this resolution this new year that you will globally diversify your Portfolio for better returns and safety in fact even before this new
year starts, any of your favorite company either Apple, Tesla, Google, Amazon or Netflix or whichever company you like, comment it down buy the Shares of that company and to start all things easily what we did was we have collaborated with IND Money and picked few free
Shares which you can get for free before to buy US stocks you had to bare many charges had to spend a lot of money but with the help of IND money you can get 0 account opening fees 0 maintenance fees and with the help of 0 Brokerage fees you can buy or sell US
stocks plus you get the best exchange rates here plus with the help of this app, you can track all your Investments all Investments you have did, whether is Mutual Funds, Stocks or text-decoration: none;">Crypto as I do the same by using this app so if you benefit from this and want to buy Tesla Stocks for free you just need to download IND money from the link given below and you will get few free Shares of Tesla in the reward section you will get a part
of that share only if you go with the link given below but if you download IND money directly from Play Store or App Store you need to enter the code while signing up which I am showing on screen SEEKENTESLA code you have to put that, then you will get those free stocks Point no 4 is Rugality leads
to better Finances look our physical health, mental health and relationships and overall in entire life, habits play the biggest role and this is an universal fact that good
habits makes good life financial success is nothing but the result of your good habits if you think logically if you want to be financially free you have to save money, you have to invest it but you have very less time so it is very important for you to save and invest money author says 90% people
can’t achieve financial freedom because of their bad habits their bad habits impact Savings a lot because people don’t think exponentially they always think linearly example what we think is, I am just eating one pizza, what will happen by that I am just eating one
burger today, what will happen with that with these small things, they make it a habit and start eating outside food order everyday some thing or the other from Zomato at least it happens every week and that becomes a habit because of which a particular amount Zomato gets every time goes to
different junk food companies money is also going plus all these things impact your health I saw a CashNews.co, there were two people both take different choice every day one person gets up early then the other gets up late one person eats junk food everyday the other person eats healthy all these
small choice which comes in front of us everyday our habits one person spends his money on useless things buys and eats useless things on the other hand the other person instead of eating unwanted things he saves it or eats healthy food and all these things of 1 day, 2 day, I month or 1 year
compounds it’s effect becomes so high that the person who had bad habits his health gets worse his money slowly decreases and his relationship life, everything comes to an end on the other side, who had made small habits those small habits brings improvement in his life slowly his
Savings and his Investments start giving him money his health helps him living a good life and in long term one person’s frugality changes his life completely on the other hand, the ignorance, his smoking, eating unhealthy will destroy his life so even you
have to understand this thing that the small decisions which you are taking everyday may be you won’t see it’s results today, tomorrow or even after a month but you will definitely see some difference in some years and that thing will hurt you in the long run so start living your life
frugally instead of spending on unwanted things, start saving start investing ya it might not help you to get rich in some time but definitely in long run, you can save money and make money so don’t keep linear thinking, keep exponential thinking how can you do all these things try not to
spend more than 50% of your Income and you have to invest 12% for long term for retirement and all if you do like this, you will benefit from it in long run I want to say you a bonus point, start working on different sources of Income start working on many
different sources of Income as much as possible if you just have one job then obviously that’s very risky thing you have to create sources of Income side by side which can give you Income at least a little this thing will help you to earn
money in long run and to be financially free if you want me to make a separate CashNews.co on this topic how can you make you r side Income, do comment and let me know if you are interested in buying free share of Tesla there is a link given in description from there you can
download IND money after downloading, you will see those Shares in the reward section if you are directly directing it from Play Store or App Store while signing up you have to enter a code SEEKENTESLA by this you will get the reward that’s all for now, thanks for watching
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Hi friends Sam Dogen a financial advisor they say that in the year 2018 he was going to watch Soft Ball game with his friend Bob on a weekend there Bob had bought his new Tesla Model 3 car which was selling a lot in the market Bob was doing a lot of show off there that how does this car run
on autopilot he was driving his car with his I phone and was saying many interesting things like I heard this in news recently on 9th September a lady gave birth to a baby in Philadelphia in the front seat of Tesla and the delivery happened, when Tesla was running on auto pilot because of which,
that baby is also called as World’s First Tesla Baby so Bob was saying such interesting things to everyone Sam was shocked by listening to all these things he was shocked because that how did Bob a 31 year old pre school teacher had bought a $53,000 car which is obviously a lot of money
according to Sam it was their biggest financial mistake which he shouldn’t have done and at the same time, there was a hype about Tesla after listening to all those things, Sam drove that car one day he says that the experience of driving this was very different even he liked the Tesla Model
3 and even he wanted to buy that car but because this car was very costly to him and as he was a financial advisor, he didn’t want to do that mistake so as a financial advisor what he did was instead of buying this $53,000 car he started calculating it’s opportunity cost where he saw,
if he invest this much money of his Savings what can be better opportunity for him than this car then he started doing research about Tesla Company or Elon Musk’s company he started to realize about this company potential and finally after doing all these things he decided
that instead of buying a Tesla Model 3 of $53,000, will buy the Tesla Stocks worth $53,000 in October 2018 on the per share value of $298 bought the Tesla stocks and guess what after some time, these Tesla stocks reached $367 by doing this he had got a Profit of $11,500 and he
didn’t want to sell that and after 6 months, when there were some problems in the company because of a Tweet of Elon Musk, the stocks came down to $179 then their Profit of $11,500 converted to a loss of $20,000 but still he didn’t sell his stocks he was still now fast
forward after 2 years, where the entire world market crashed there Tesla stocks were rising then Sam thought, just like last time, these stock will fall one day then what Sam did was, at $888 per share value sold his 75% stock because he didn’t want to handle the volatility of this market due
to which he got a lot of Profit but ya the fact was, after some time Tesla stocks reached to $1,126 thinking of which Sam regretted but as it is said that Hindsight is always 20/20 after doing things we feel that we shouldn’t have done it, but anyways Sam had booked a good
Profit and then he was thinking how stupid Bob is even he should have bought the stocks instead of the car do you know the interesting part was Bob whom he was thinking is stupid he was investing a lot of his money in Tesla, from a long time because of which he had generated a lot
of Profit and with some part of the Profit he bought Tesla Model 3 look friends the things we should learn from this story is wealth is not like that as we think it is many time when you think people are less capable than you you think that they are financially
behind you well many time is is not necessary that they are behind you many times many people do well financially but since all their wealth is in their investment which we can’t see, so they won’t look rich many times and many times even if they look so, they look stupid which is not
always the case ya being financially free doesn’t mean that you have a lot of wealth which is visible to people by which you can live a luxurious life no but the meaning of being financially free is you live a comfortable life where you don’t worry about money where your money keeps you
safe and work for you now Author Jonathan Clements in their book From Here to Financial Happiness in this book they share 77 short lessons I will merge all those points and share with you 4 practical steps which will help you to be financially free as with that as I had gifted you
Shares of Google few weeks ago in this CashNews.co I will gift Tesla’s Shares how? well to know that keep watching the CashNews.co let’s come to lesson no. 1 which is No saving with Debt author says to start your financial freedom
journey first you have to do one thing that is clear all your Debts clear the Loan and this is the most basic rule of Finance that if you
have any kind of Debt specially bad Debt you cannot start your investing journey author says, some people start long term investing with their Debt where they will be paying their Debt and also doing some investment by this their
process of becoming financially free, slows down so author says first clear all your small Debts like mobile phone, laptop emi, car Loan and such things which you can finish early ya sometimes the big amounts like home Loan that can’t be easy
to clear, those are exceptions, keep them aside but clear your small Debts plus the author also says, to use Credit cards wisely because US Department of Labor had did a research on 7,900 citizens of age 20 to 40 by that we know that, those who were at high
Credit card Debt their stress was affecting their physical health overtime by which they faced many problems in daily life pain in joints and stiffness and were facing many problems you should know how you are using your Credit card for not only
your mental peace but also physical health many people don’t know that by using Credit cards the interest starts and it’s amount keeps increasing and there is a solution related to it, which you will know in 4th point but first remember that that clear all your
Debts as much as possible after that start your Savings journey properly Lesson no. 2 Financial safety net this might have even happened with you something needs repair in your home, like your phone is broken or your T.V is not turning on on there is a problem in
the engine of your car or bike like I remember my friend was saying, that the graphic card of his computer was spoilt the price was very high, at that time he didn’t had money to buy it so somehow he started working without graphic card at that time he didn’t had Credit
card and he didn’t want to borrow money from someone he he decided that next month when he gets Income he will buy the graphic card with that Income now look, many people are just like this if there is any problem, for it’s solution they use their
Credit card or depend on next salary if something happens they say, they will do it from next month do the EMI many times but author says, no one thinks what if their source of Income stops many people are salary based and their job is their main source of
Income there are only few people who have passive Income if their main source of Income dies of any reason job went or anything, even then, they will have a different source of Income on which they can depend on now as it was seen
during Covid time where many people lost their job and were destroyed completely so well what is it’s solution, the author says If you want to feel better about your none;">Finances today then you should spend more time thinking about what you are gonna pay for tomorrow which means basically author is saying us here we have to create an emergency fund you store your money, at a place where you can use it even after loosing your main source of
Income you cannot spend this money on any random things like for vacation, for buying a car or anything no here you have to create an emergency fund which should be the backup of your main Income source because of which, in case something happens and you loose your
job you will not get a new job until you can survive and be safe and how to do that, well to do that author says that you have to calculate your monthly expenses let’s say your monthly expenses is 20,000 rupees you should at least keep 1,20,000 rupees safe at side which is your emergency fund
if there is any problem, like covid, lock-down even then you will have a buffer time of 6 months where you can do many things, can find a job or create a new source of Revenue which will be very helpful for your survival and your respect Lesson no. 3 Invest conservatively and buy
stocks with caution to increase your wealth J Walk when they launched a website Priceline of discount offer in the early 2000’s by this their Net Worth reached $1.8 Billion in just one year and at the other side the world’s greatest investor Warren Buffet they had to
wait 55 years to earn their first Billion Dollars look there is how much difference but the thing is J Walk’s Income was not sustainable everyone knew that this dotcom bubble will burst and when that bubble burst, by end of October 2000 in just a few months, out of billions
of dollars of J walk only 33 Million Dollars were left and Warren Buffet were into the top 1% richest club of the world and are still today and for the coming many years, he will be in the top 1% list the reason behind this is, Warren Buffet, is investing from past 7 decades and he had rarely sold
his Shares so even the author says, if someone wants to be financially free so to invest your money Stock Market can be a very good place to you where you get not only returns, but the company pay you Dividends many times which means they share
some percent of their Profit to their share holders for example you might know that Warren Buffet is a major share holder of Coca Cola so the C.E.O of Coca Cola he gets the highest 16 Million Dollar salary per year on the other side, Warren Buffet by the Dividends
of Coca Cola earn 547 Million Dollars so you might have understood where to invest to become financially free author says when you think long term to invest in Stock Market you don’t need to understand any rocket science but the companies which you know about properly or
better use their products daily which you are using from many years, which you believe on you like those products it will be good for you to invest in such companies and one of the most successful Mutual Fund manager Peter Lynns, who had wrote many good books on investment even he says the same
thing you should invest in such companies whose products you use or you know better about them whose products you like and you believe on as many people use I phone eat Maggie, drink Coca Cola use Tesla Cars so it can be good for you to invest in such companies as it was proven in the starting
story and here you don’t need to see the daily fluctuations of the market in the Intelligent Investor, the mentor of Warren Buffet, Benjamin Graham, even they say in their book that we should not focus on the daily fluctuations of the market but you should just pick the good companies and
invest in that for long term this will give you very good returns in long run now look friends ya there are many Unicorns in India, which are doing very well and there are many companies in America which are giving exponential returns it can be easy to find them, because of their technological
innovations so we Indians should know about this opportunity that we can benefit from the opportunities of the growth outside so you can make this resolution this new year that you will globally diversify your Portfolio for better returns and safety in fact even before this new
year starts, any of your favorite company either Apple, Tesla, Google, Amazon or Netflix or whichever company you like, comment it down buy the Shares of that company and to start all things easily what we did was we have collaborated with IND Money and picked few free
Shares which you can get for free before to buy US stocks you had to bare many charges had to spend a lot of money but with the help of IND money you can get 0 account opening fees 0 maintenance fees and with the help of 0 Brokerage fees you can buy or sell US
stocks plus you get the best exchange rates here plus with the help of this app, you can track all your Investments all Investments you have did, whether is Mutual Funds, Stocks or text-decoration: none;">Crypto as I do the same by using this app so if you benefit from this and want to buy Tesla Stocks for free you just need to download IND money from the link given below and you will get few free Shares of Tesla in the reward section you will get a part
of that share only if you go with the link given below but if you download IND money directly from Play Store or App Store you need to enter the code while signing up which I am showing on screen SEEKENTESLA code you have to put that, then you will get those free stocks Point no 4 is Rugality leads
to better Finances look our physical health, mental health and relationships and overall in entire life, habits play the biggest role and this is an universal fact that good
habits makes good life financial success is nothing but the result of your good habits if you think logically if you want to be financially free you have to save money, you have to invest it but you have very less time so it is very important for you to save and invest money author says 90% people
can’t achieve financial freedom because of their bad habits their bad habits impact Savings a lot because people don’t think exponentially they always think linearly example what we think is, I am just eating one pizza, what will happen by that I am just eating one
burger today, what will happen with that with these small things, they make it a habit and start eating outside food order everyday some thing or the other from Zomato at least it happens every week and that becomes a habit because of which a particular amount Zomato gets every time goes to
different junk food companies money is also going plus all these things impact your health I saw a CashNews.co, there were two people both take different choice every day one person gets up early then the other gets up late one person eats junk food everyday the other person eats healthy all these
small choice which comes in front of us everyday our habits one person spends his money on useless things buys and eats useless things on the other hand the other person instead of eating unwanted things he saves it or eats healthy food and all these things of 1 day, 2 day, I month or 1 year
compounds it’s effect becomes so high that the person who had bad habits his health gets worse his money slowly decreases and his relationship life, everything comes to an end on the other side, who had made small habits those small habits brings improvement in his life slowly his
Savings and his Investments start giving him money his health helps him living a good life and in long term one person’s frugality changes his life completely on the other hand, the ignorance, his smoking, eating unhealthy will destroy his life so even you
have to understand this thing that the small decisions which you are taking everyday may be you won’t see it’s results today, tomorrow or even after a month but you will definitely see some difference in some years and that thing will hurt you in the long run so start living your life
frugally instead of spending on unwanted things, start saving start investing ya it might not help you to get rich in some time but definitely in long run, you can save money and make money so don’t keep linear thinking, keep exponential thinking how can you do all these things try not to
spend more than 50% of your Income and you have to invest 12% for long term for retirement and all if you do like this, you will benefit from it in long run I want to say you a bonus point, start working on different sources of Income start working on many
different sources of Income as much as possible if you just have one job then obviously that’s very risky thing you have to create sources of Income side by side which can give you Income at least a little this thing will help you to earn
money in long run and to be financially free if you want me to make a separate CashNews.co on this topic how can you make you r side Income, do comment and let me know if you are interested in buying free share of Tesla there is a link given in description from there you can
download IND money after downloading, you will see those Shares in the reward section if you are directly directing it from Play Store or App Store while signing up you have to enter a code SEEKENTESLA by this you will get the reward that’s all for now, thanks for watching
/>
Now that you’re fully informed, watch this amazing video on FROM HERE TO FINANCIAL HAPPINESS 💸 ENRICH YOUR LIFE IN 77 DAYS – FINANCE BOOK SUMMARY. With over 2074088 views, this video deepens your understanding of Finance.CashNews, your go-to portal for financial news and insights.
#FINANCIAL #HAPPINESS #ENRICH #LIFE #DAYS #FINANCE #BOOK #SUMMARY#1a73e8 #333 #BOOK #DAYS #ENRICH #finance #Financial #HAPPINESS #Life #SUMMARY
-
Hi friends Sam Dogen a financial advisor they say that in the year 2018 he was going to watch Soft Ball game with his friend Bob on a weekend there Bob had bought his new Tesla Model 3 car which was selling a lot in the market Bob was doing a lot of show off there that how does this car run
on autopilot he was driving his car with his I phone and was saying many interesting things like I heard this in news recently on 9th September a lady gave birth to a baby in Philadelphia in the front seat of Tesla and the delivery happened, when Tesla was running on auto pilot because of which,
that baby is also called as World’s First Tesla Baby so Bob was saying such interesting things to everyone Sam was shocked by listening to all these things he was shocked because that how did Bob a 31 year old pre school teacher had bought a $53,000 car which is obviously a lot of money
according to Sam it was their biggest financial mistake which he shouldn’t have done and at the same time, there was a hype about Tesla after listening to all those things, Sam drove that car one day he says that the experience of driving this was very different even he liked the Tesla Model
3 and even he wanted to buy that car but because this car was very costly to him and as he was a financial advisor, he didn’t want to do that mistake so as a financial advisor what he did was instead of buying this $53,000 car he started calculating it’s opportunity cost where he saw,
if he invest this much money of his Savings what can be better opportunity for him than this car then he started doing research about Tesla Company or Elon Musk’s company he started to realize about this company potential and finally after doing all these things he decided
that instead of buying a Tesla Model 3 of $53,000, will buy the Tesla Stocks worth $53,000 in October 2018 on the per share value of $298 bought the Tesla stocks and guess what after some time, these Tesla stocks reached $367 by doing this he had got a Profit of $11,500 and he
didn’t want to sell that and after 6 months, when there were some problems in the company because of a Tweet of Elon Musk, the stocks came down to $179 then their Profit of $11,500 converted to a loss of $20,000 but still he didn’t sell his stocks he was still now fast
forward after 2 years, where the entire world market crashed there Tesla stocks were rising then Sam thought, just like last time, these stock will fall one day then what Sam did was, at $888 per share value sold his 75% stock because he didn’t want to handle the volatility of this market due
to which he got a lot of Profit but ya the fact was, after some time Tesla stocks reached to $1,126 thinking of which Sam regretted but as it is said that Hindsight is always 20/20 after doing things we feel that we shouldn’t have done it, but anyways Sam had booked a good
Profit and then he was thinking how stupid Bob is even he should have bought the stocks instead of the car do you know the interesting part was Bob whom he was thinking is stupid he was investing a lot of his money in Tesla, from a long time because of which he had generated a lot
of Profit and with some part of the Profit he bought Tesla Model 3 look friends the things we should learn from this story is wealth is not like that as we think it is many time when you think people are less capable than you you think that they are financially
behind you well many time is is not necessary that they are behind you many times many people do well financially but since all their wealth is in their investment which we can’t see, so they won’t look rich many times and many times even if they look so, they look stupid which is not
always the case ya being financially free doesn’t mean that you have a lot of wealth which is visible to people by which you can live a luxurious life no but the meaning of being financially free is you live a comfortable life where you don’t worry about money where your money keeps you
safe and work for you now Author Jonathan Clements in their book From Here to Financial Happiness in this book they share 77 short lessons I will merge all those points and share with you 4 practical steps which will help you to be financially free as with that as I had gifted you
Shares of Google few weeks ago in this CashNews.co I will gift Tesla’s Shares how? well to know that keep watching the CashNews.co let’s come to lesson no. 1 which is No saving with Debt author says to start your financial freedom
journey first you have to do one thing that is clear all your Debts clear the Loan and this is the most basic rule of Finance that if you
have any kind of Debt specially bad Debt you cannot start your investing journey author says, some people start long term investing with their Debt where they will be paying their Debt and also doing some investment by this their
process of becoming financially free, slows down so author says first clear all your small Debts like mobile phone, laptop emi, car Loan and such things which you can finish early ya sometimes the big amounts like home Loan that can’t be easy
to clear, those are exceptions, keep them aside but clear your small Debts plus the author also says, to use Credit cards wisely because US Department of Labor had did a research on 7,900 citizens of age 20 to 40 by that we know that, those who were at high
Credit card Debt their stress was affecting their physical health overtime by which they faced many problems in daily life pain in joints and stiffness and were facing many problems you should know how you are using your Credit card for not only
your mental peace but also physical health many people don’t know that by using Credit cards the interest starts and it’s amount keeps increasing and there is a solution related to it, which you will know in 4th point but first remember that that clear all your
Debts as much as possible after that start your Savings journey properly Lesson no. 2 Financial safety net this might have even happened with you something needs repair in your home, like your phone is broken or your T.V is not turning on on there is a problem in
the engine of your car or bike like I remember my friend was saying, that the graphic card of his computer was spoilt the price was very high, at that time he didn’t had money to buy it so somehow he started working without graphic card at that time he didn’t had Credit
card and he didn’t want to borrow money from someone he he decided that next month when he gets Income he will buy the graphic card with that Income now look, many people are just like this if there is any problem, for it’s solution they use their
Credit card or depend on next salary if something happens they say, they will do it from next month do the EMI many times but author says, no one thinks what if their source of Income stops many people are salary based and their job is their main source of
Income there are only few people who have passive Income if their main source of Income dies of any reason job went or anything, even then, they will have a different source of Income on which they can depend on now as it was seen
during Covid time where many people lost their job and were destroyed completely so well what is it’s solution, the author says If you want to feel better about your none;">Finances today then you should spend more time thinking about what you are gonna pay for tomorrow which means basically author is saying us here we have to create an emergency fund you store your money, at a place where you can use it even after loosing your main source of
Income you cannot spend this money on any random things like for vacation, for buying a car or anything no here you have to create an emergency fund which should be the backup of your main Income source because of which, in case something happens and you loose your
job you will not get a new job until you can survive and be safe and how to do that, well to do that author says that you have to calculate your monthly expenses let’s say your monthly expenses is 20,000 rupees you should at least keep 1,20,000 rupees safe at side which is your emergency fund
if there is any problem, like covid, lock-down even then you will have a buffer time of 6 months where you can do many things, can find a job or create a new source of Revenue which will be very helpful for your survival and your respect Lesson no. 3 Invest conservatively and buy
stocks with caution to increase your wealth J Walk when they launched a website Priceline of discount offer in the early 2000’s by this their Net Worth reached $1.8 Billion in just one year and at the other side the world’s greatest investor Warren Buffet they had to
wait 55 years to earn their first Billion Dollars look there is how much difference but the thing is J Walk’s Income was not sustainable everyone knew that this dotcom bubble will burst and when that bubble burst, by end of October 2000 in just a few months, out of billions
of dollars of J walk only 33 Million Dollars were left and Warren Buffet were into the top 1% richest club of the world and are still today and for the coming many years, he will be in the top 1% list the reason behind this is, Warren Buffet, is investing from past 7 decades and he had rarely sold
his Shares so even the author says, if someone wants to be financially free so to invest your money Stock Market can be a very good place to you where you get not only returns, but the company pay you Dividends many times which means they share
some percent of their Profit to their share holders for example you might know that Warren Buffet is a major share holder of Coca Cola so the C.E.O of Coca Cola he gets the highest 16 Million Dollar salary per year on the other side, Warren Buffet by the Dividends
of Coca Cola earn 547 Million Dollars so you might have understood where to invest to become financially free author says when you think long term to invest in Stock Market you don’t need to understand any rocket science but the companies which you know about properly or
better use their products daily which you are using from many years, which you believe on you like those products it will be good for you to invest in such companies and one of the most successful Mutual Fund manager Peter Lynns, who had wrote many good books on investment even he says the same
thing you should invest in such companies whose products you use or you know better about them whose products you like and you believe on as many people use I phone eat Maggie, drink Coca Cola use Tesla Cars so it can be good for you to invest in such companies as it was proven in the starting
story and here you don’t need to see the daily fluctuations of the market in the Intelligent Investor, the mentor of Warren Buffet, Benjamin Graham, even they say in their book that we should not focus on the daily fluctuations of the market but you should just pick the good companies and
invest in that for long term this will give you very good returns in long run now look friends ya there are many Unicorns in India, which are doing very well and there are many companies in America which are giving exponential returns it can be easy to find them, because of their technological
innovations so we Indians should know about this opportunity that we can benefit from the opportunities of the growth outside so you can make this resolution this new year that you will globally diversify your Portfolio for better returns and safety in fact even before this new
year starts, any of your favorite company either Apple, Tesla, Google, Amazon or Netflix or whichever company you like, comment it down buy the Shares of that company and to start all things easily what we did was we have collaborated with IND Money and picked few free
Shares which you can get for free before to buy US stocks you had to bare many charges had to spend a lot of money but with the help of IND money you can get 0 account opening fees 0 maintenance fees and with the help of 0 Brokerage fees you can buy or sell US
stocks plus you get the best exchange rates here plus with the help of this app, you can track all your Investments all Investments you have did, whether is Mutual Funds, Stocks or text-decoration: none;">Crypto as I do the same by using this app so if you benefit from this and want to buy Tesla Stocks for free you just need to download IND money from the link given below and you will get few free Shares of Tesla in the reward section you will get a part
of that share only if you go with the link given below but if you download IND money directly from Play Store or App Store you need to enter the code while signing up which I am showing on screen SEEKENTESLA code you have to put that, then you will get those free stocks Point no 4 is Rugality leads
to better Finances look our physical health, mental health and relationships and overall in entire life, habits play the biggest role and this is an universal fact that good
habits makes good life financial success is nothing but the result of your good habits if you think logically if you want to be financially free you have to save money, you have to invest it but you have very less time so it is very important for you to save and invest money author says 90% people
can’t achieve financial freedom because of their bad habits their bad habits impact Savings a lot because people don’t think exponentially they always think linearly example what we think is, I am just eating one pizza, what will happen by that I am just eating one
burger today, what will happen with that with these small things, they make it a habit and start eating outside food order everyday some thing or the other from Zomato at least it happens every week and that becomes a habit because of which a particular amount Zomato gets every time goes to
different junk food companies money is also going plus all these things impact your health I saw a CashNews.co, there were two people both take different choice every day one person gets up early then the other gets up late one person eats junk food everyday the other person eats healthy all these
small choice which comes in front of us everyday our habits one person spends his money on useless things buys and eats useless things on the other hand the other person instead of eating unwanted things he saves it or eats healthy food and all these things of 1 day, 2 day, I month or 1 year
compounds it’s effect becomes so high that the person who had bad habits his health gets worse his money slowly decreases and his relationship life, everything comes to an end on the other side, who had made small habits those small habits brings improvement in his life slowly his
Savings and his Investments start giving him money his health helps him living a good life and in long term one person’s frugality changes his life completely on the other hand, the ignorance, his smoking, eating unhealthy will destroy his life so even you
have to understand this thing that the small decisions which you are taking everyday may be you won’t see it’s results today, tomorrow or even after a month but you will definitely see some difference in some years and that thing will hurt you in the long run so start living your life
frugally instead of spending on unwanted things, start saving start investing ya it might not help you to get rich in some time but definitely in long run, you can save money and make money so don’t keep linear thinking, keep exponential thinking how can you do all these things try not to
spend more than 50% of your Income and you have to invest 12% for long term for retirement and all if you do like this, you will benefit from it in long run I want to say you a bonus point, start working on different sources of Income start working on many
different sources of Income as much as possible if you just have one job then obviously that’s very risky thing you have to create sources of Income side by side which can give you Income at least a little this thing will help you to earn
money in long run and to be financially free if you want me to make a separate CashNews.co on this topic how can you make you r side Income, do comment and let me know if you are interested in buying free share of Tesla there is a link given in description from there you can
download IND money after downloading, you will see those Shares in the reward section if you are directly directing it from Play Store or App Store while signing up you have to enter a code SEEKENTESLA by this you will get the reward that’s all for now, thanks for watching
/>
Now that you’re fully informed, watch this amazing video on FROM HERE TO FINANCIAL HAPPINESS 💸 ENRICH YOUR LIFE IN 77 DAYS – FINANCE BOOK SUMMARY. With over 2074088 views, this video deepens your understanding of Finance.CashNews, your go-to portal for financial news and insights.
#FINANCIAL #HAPPINESS #ENRICH #LIFE #DAYS #FINANCE #BOOK #SUMMARY#1a73e8 #333 #BOOK #DAYS #ENRICH #finance #Financial #HAPPINESS #Life #SUMMARY
-
Hi friends Sam Dogen a financial advisor they say that in the year 2018 he was going to watch Soft Ball game with his friend Bob on a weekend there Bob had bought his new Tesla Model 3 car which was selling a lot in the market Bob was doing a lot of show off there that how does this car run
on autopilot he was driving his car with his I phone and was saying many interesting things like I heard this in news recently on 9th September a lady gave birth to a baby in Philadelphia in the front seat of Tesla and the delivery happened, when Tesla was running on auto pilot because of which,
that baby is also called as World’s First Tesla Baby so Bob was saying such interesting things to everyone Sam was shocked by listening to all these things he was shocked because that how did Bob a 31 year old pre school teacher had bought a $53,000 car which is obviously a lot of money
according to Sam it was their biggest financial mistake which he shouldn’t have done and at the same time, there was a hype about Tesla after listening to all those things, Sam drove that car one day he says that the experience of driving this was very different even he liked the Tesla Model
3 and even he wanted to buy that car but because this car was very costly to him and as he was a financial advisor, he didn’t want to do that mistake so as a financial advisor what he did was instead of buying this $53,000 car he started calculating it’s opportunity cost where he saw,
if he invest this much money of his Savings what can be better opportunity for him than this car then he started doing research about Tesla Company or Elon Musk’s company he started to realize about this company potential and finally after doing all these things he decided
that instead of buying a Tesla Model 3 of $53,000, will buy the Tesla Stocks worth $53,000 in October 2018 on the per share value of $298 bought the Tesla stocks and guess what after some time, these Tesla stocks reached $367 by doing this he had got a Profit of $11,500 and he
didn’t want to sell that and after 6 months, when there were some problems in the company because of a Tweet of Elon Musk, the stocks came down to $179 then their Profit of $11,500 converted to a loss of $20,000 but still he didn’t sell his stocks he was still now fast
forward after 2 years, where the entire world market crashed there Tesla stocks were rising then Sam thought, just like last time, these stock will fall one day then what Sam did was, at $888 per share value sold his 75% stock because he didn’t want to handle the volatility of this market due
to which he got a lot of Profit but ya the fact was, after some time Tesla stocks reached to $1,126 thinking of which Sam regretted but as it is said that Hindsight is always 20/20 after doing things we feel that we shouldn’t have done it, but anyways Sam had booked a good
Profit and then he was thinking how stupid Bob is even he should have bought the stocks instead of the car do you know the interesting part was Bob whom he was thinking is stupid he was investing a lot of his money in Tesla, from a long time because of which he had generated a lot
of Profit and with some part of the Profit he bought Tesla Model 3 look friends the things we should learn from this story is wealth is not like that as we think it is many time when you think people are less capable than you you think that they are financially
behind you well many time is is not necessary that they are behind you many times many people do well financially but since all their wealth is in their investment which we can’t see, so they won’t look rich many times and many times even if they look so, they look stupid which is not
always the case ya being financially free doesn’t mean that you have a lot of wealth which is visible to people by which you can live a luxurious life no but the meaning of being financially free is you live a comfortable life where you don’t worry about money where your money keeps you
safe and work for you now Author Jonathan Clements in their book From Here to Financial Happiness in this book they share 77 short lessons I will merge all those points and share with you 4 practical steps which will help you to be financially free as with that as I had gifted you
Shares of Google few weeks ago in this CashNews.co I will gift Tesla’s Shares how? well to know that keep watching the CashNews.co let’s come to lesson no. 1 which is No saving with Debt author says to start your financial freedom
journey first you have to do one thing that is clear all your Debts clear the Loan and this is the most basic rule of Finance that if you
have any kind of Debt specially bad Debt you cannot start your investing journey author says, some people start long term investing with their Debt where they will be paying their Debt and also doing some investment by this their
process of becoming financially free, slows down so author says first clear all your small Debts like mobile phone, laptop emi, car Loan and such things which you can finish early ya sometimes the big amounts like home Loan that can’t be easy
to clear, those are exceptions, keep them aside but clear your small Debts plus the author also says, to use Credit cards wisely because US Department of Labor had did a research on 7,900 citizens of age 20 to 40 by that we know that, those who were at high
Credit card Debt their stress was affecting their physical health overtime by which they faced many problems in daily life pain in joints and stiffness and were facing many problems you should know how you are using your Credit card for not only
your mental peace but also physical health many people don’t know that by using Credit cards the interest starts and it’s amount keeps increasing and there is a solution related to it, which you will know in 4th point but first remember that that clear all your
Debts as much as possible after that start your Savings journey properly Lesson no. 2 Financial safety net this might have even happened with you something needs repair in your home, like your phone is broken or your T.V is not turning on on there is a problem in
the engine of your car or bike like I remember my friend was saying, that the graphic card of his computer was spoilt the price was very high, at that time he didn’t had money to buy it so somehow he started working without graphic card at that time he didn’t had Credit
card and he didn’t want to borrow money from someone he he decided that next month when he gets Income he will buy the graphic card with that Income now look, many people are just like this if there is any problem, for it’s solution they use their
Credit card or depend on next salary if something happens they say, they will do it from next month do the EMI many times but author says, no one thinks what if their source of Income stops many people are salary based and their job is their main source of
Income there are only few people who have passive Income if their main source of Income dies of any reason job went or anything, even then, they will have a different source of Income on which they can depend on now as it was seen
during Covid time where many people lost their job and were destroyed completely so well what is it’s solution, the author says If you want to feel better about your none;">Finances today then you should spend more time thinking about what you are gonna pay for tomorrow which means basically author is saying us here we have to create an emergency fund you store your money, at a place where you can use it even after loosing your main source of
Income you cannot spend this money on any random things like for vacation, for buying a car or anything no here you have to create an emergency fund which should be the backup of your main Income source because of which, in case something happens and you loose your
job you will not get a new job until you can survive and be safe and how to do that, well to do that author says that you have to calculate your monthly expenses let’s say your monthly expenses is 20,000 rupees you should at least keep 1,20,000 rupees safe at side which is your emergency fund
if there is any problem, like covid, lock-down even then you will have a buffer time of 6 months where you can do many things, can find a job or create a new source of Revenue which will be very helpful for your survival and your respect Lesson no. 3 Invest conservatively and buy
stocks with caution to increase your wealth J Walk when they launched a website Priceline of discount offer in the early 2000’s by this their Net Worth reached $1.8 Billion in just one year and at the other side the world’s greatest investor Warren Buffet they had to
wait 55 years to earn their first Billion Dollars look there is how much difference but the thing is J Walk’s Income was not sustainable everyone knew that this dotcom bubble will burst and when that bubble burst, by end of October 2000 in just a few months, out of billions
of dollars of J walk only 33 Million Dollars were left and Warren Buffet were into the top 1% richest club of the world and are still today and for the coming many years, he will be in the top 1% list the reason behind this is, Warren Buffet, is investing from past 7 decades and he had rarely sold
his Shares so even the author says, if someone wants to be financially free so to invest your money Stock Market can be a very good place to you where you get not only returns, but the company pay you Dividends many times which means they share
some percent of their Profit to their share holders for example you might know that Warren Buffet is a major share holder of Coca Cola so the C.E.O of Coca Cola he gets the highest 16 Million Dollar salary per year on the other side, Warren Buffet by the Dividends
of Coca Cola earn 547 Million Dollars so you might have understood where to invest to become financially free author says when you think long term to invest in Stock Market you don’t need to understand any rocket science but the companies which you know about properly or
better use their products daily which you are using from many years, which you believe on you like those products it will be good for you to invest in such companies and one of the most successful Mutual Fund manager Peter Lynns, who had wrote many good books on investment even he says the same
thing you should invest in such companies whose products you use or you know better about them whose products you like and you believe on as many people use I phone eat Maggie, drink Coca Cola use Tesla Cars so it can be good for you to invest in such companies as it was proven in the starting
story and here you don’t need to see the daily fluctuations of the market in the Intelligent Investor, the mentor of Warren Buffet, Benjamin Graham, even they say in their book that we should not focus on the daily fluctuations of the market but you should just pick the good companies and
invest in that for long term this will give you very good returns in long run now look friends ya there are many Unicorns in India, which are doing very well and there are many companies in America which are giving exponential returns it can be easy to find them, because of their technological
innovations so we Indians should know about this opportunity that we can benefit from the opportunities of the growth outside so you can make this resolution this new year that you will globally diversify your Portfolio for better returns and safety in fact even before this new
year starts, any of your favorite company either Apple, Tesla, Google, Amazon or Netflix or whichever company you like, comment it down buy the Shares of that company and to start all things easily what we did was we have collaborated with IND Money and picked few free
Shares which you can get for free before to buy US stocks you had to bare many charges had to spend a lot of money but with the help of IND money you can get 0 account opening fees 0 maintenance fees and with the help of 0 Brokerage fees you can buy or sell US
stocks plus you get the best exchange rates here plus with the help of this app, you can track all your Investments all Investments you have did, whether is Mutual Funds, Stocks or text-decoration: none;">Crypto as I do the same by using this app so if you benefit from this and want to buy Tesla Stocks for free you just need to download IND money from the link given below and you will get few free Shares of Tesla in the reward section you will get a part
of that share only if you go with the link given below but if you download IND money directly from Play Store or App Store you need to enter the code while signing up which I am showing on screen SEEKENTESLA code you have to put that, then you will get those free stocks Point no 4 is Rugality leads
to better Finances look our physical health, mental health and relationships and overall in entire life, habits play the biggest role and this is an universal fact that good
habits makes good life financial success is nothing but the result of your good habits if you think logically if you want to be financially free you have to save money, you have to invest it but you have very less time so it is very important for you to save and invest money author says 90% people
can’t achieve financial freedom because of their bad habits their bad habits impact Savings a lot because people don’t think exponentially they always think linearly example what we think is, I am just eating one pizza, what will happen by that I am just eating one
burger today, what will happen with that with these small things, they make it a habit and start eating outside food order everyday some thing or the other from Zomato at least it happens every week and that becomes a habit because of which a particular amount Zomato gets every time goes to
different junk food companies money is also going plus all these things impact your health I saw a CashNews.co, there were two people both take different choice every day one person gets up early then the other gets up late one person eats junk food everyday the other person eats healthy all these
small choice which comes in front of us everyday our habits one person spends his money on useless things buys and eats useless things on the other hand the other person instead of eating unwanted things he saves it or eats healthy food and all these things of 1 day, 2 day, I month or 1 year
compounds it’s effect becomes so high that the person who had bad habits his health gets worse his money slowly decreases and his relationship life, everything comes to an end on the other side, who had made small habits those small habits brings improvement in his life slowly his
Savings and his Investments start giving him money his health helps him living a good life and in long term one person’s frugality changes his life completely on the other hand, the ignorance, his smoking, eating unhealthy will destroy his life so even you
have to understand this thing that the small decisions which you are taking everyday may be you won’t see it’s results today, tomorrow or even after a month but you will definitely see some difference in some years and that thing will hurt you in the long run so start living your life
frugally instead of spending on unwanted things, start saving start investing ya it might not help you to get rich in some time but definitely in long run, you can save money and make money so don’t keep linear thinking, keep exponential thinking how can you do all these things try not to
spend more than 50% of your Income and you have to invest 12% for long term for retirement and all if you do like this, you will benefit from it in long run I want to say you a bonus point, start working on different sources of Income start working on many
different sources of Income as much as possible if you just have one job then obviously that’s very risky thing you have to create sources of Income side by side which can give you Income at least a little this thing will help you to earn
money in long run and to be financially free if you want me to make a separate CashNews.co on this topic how can you make you r side Income, do comment and let me know if you are interested in buying free share of Tesla there is a link given in description from there you can
download IND money after downloading, you will see those Shares in the reward section if you are directly directing it from Play Store or App Store while signing up you have to enter a code SEEKENTESLA by this you will get the reward that’s all for now, thanks for watching
/>
Now that you’re fully informed, watch this amazing video on FROM HERE TO FINANCIAL HAPPINESS 💸 ENRICH YOUR LIFE IN 77 DAYS – FINANCE BOOK SUMMARY. With over 2074088 views, this video deepens your understanding of Finance.CashNews, your go-to portal for financial news and insights.
#FINANCIAL #HAPPINESS #ENRICH #LIFE #DAYS #FINANCE #BOOK #SUMMARY#1a73e8 #333 #BOOK #DAYS #ENRICH #finance #Financial #HAPPINESS #Life #SUMMARY
-
Hi friends Sam Dogen a financial advisor they say that in the year 2018 he was going to watch Soft Ball game with his friend Bob on a weekend there Bob had bought his new Tesla Model 3 car which was selling a lot in the market Bob was doing a lot of show off there that how does this car run
on autopilot he was driving his car with his I phone and was saying many interesting things like I heard this in news recently on 9th September a lady gave birth to a baby in Philadelphia in the front seat of Tesla and the delivery happened, when Tesla was running on auto pilot because of which,
that baby is also called as World’s First Tesla Baby so Bob was saying such interesting things to everyone Sam was shocked by listening to all these things he was shocked because that how did Bob a 31 year old pre school teacher had bought a $53,000 car which is obviously a lot of money
according to Sam it was their biggest financial mistake which he shouldn’t have done and at the same time, there was a hype about Tesla after listening to all those things, Sam drove that car one day he says that the experience of driving this was very different even he liked the Tesla Model
3 and even he wanted to buy that car but because this car was very costly to him and as he was a financial advisor, he didn’t want to do that mistake so as a financial advisor what he did was instead of buying this $53,000 car he started calculating it’s opportunity cost where he saw,
if he invest this much money of his Savings what can be better opportunity for him than this car then he started doing research about Tesla Company or Elon Musk’s company he started to realize about this company potential and finally after doing all these things he decided
that instead of buying a Tesla Model 3 of $53,000, will buy the Tesla Stocks worth $53,000 in October 2018 on the per share value of $298 bought the Tesla stocks and guess what after some time, these Tesla stocks reached $367 by doing this he had got a Profit of $11,500 and he
didn’t want to sell that and after 6 months, when there were some problems in the company because of a Tweet of Elon Musk, the stocks came down to $179 then their Profit of $11,500 converted to a loss of $20,000 but still he didn’t sell his stocks he was still now fast
forward after 2 years, where the entire world market crashed there Tesla stocks were rising then Sam thought, just like last time, these stock will fall one day then what Sam did was, at $888 per share value sold his 75% stock because he didn’t want to handle the volatility of this market due
to which he got a lot of Profit but ya the fact was, after some time Tesla stocks reached to $1,126 thinking of which Sam regretted but as it is said that Hindsight is always 20/20 after doing things we feel that we shouldn’t have done it, but anyways Sam had booked a good
Profit and then he was thinking how stupid Bob is even he should have bought the stocks instead of the car do you know the interesting part was Bob whom he was thinking is stupid he was investing a lot of his money in Tesla, from a long time because of which he had generated a lot
of Profit and with some part of the Profit he bought Tesla Model 3 look friends the things we should learn from this story is wealth is not like that as we think it is many time when you think people are less capable than you you think that they are financially
behind you well many time is is not necessary that they are behind you many times many people do well financially but since all their wealth is in their investment which we can’t see, so they won’t look rich many times and many times even if they look so, they look stupid which is not
always the case ya being financially free doesn’t mean that you have a lot of wealth which is visible to people by which you can live a luxurious life no but the meaning of being financially free is you live a comfortable life where you don’t worry about money where your money keeps you
safe and work for you now Author Jonathan Clements in their book From Here to Financial Happiness in this book they share 77 short lessons I will merge all those points and share with you 4 practical steps which will help you to be financially free as with that as I had gifted you
Shares of Google few weeks ago in this CashNews.co I will gift Tesla’s Shares how? well to know that keep watching the CashNews.co let’s come to lesson no. 1 which is No saving with Debt author says to start your financial freedom
journey first you have to do one thing that is clear all your Debts clear the Loan and this is the most basic rule of Finance that if you
have any kind of Debt specially bad Debt you cannot start your investing journey author says, some people start long term investing with their Debt where they will be paying their Debt and also doing some investment by this their
process of becoming financially free, slows down so author says first clear all your small Debts like mobile phone, laptop emi, car Loan and such things which you can finish early ya sometimes the big amounts like home Loan that can’t be easy
to clear, those are exceptions, keep them aside but clear your small Debts plus the author also says, to use Credit cards wisely because US Department of Labor had did a research on 7,900 citizens of age 20 to 40 by that we know that, those who were at high
Credit card Debt their stress was affecting their physical health overtime by which they faced many problems in daily life pain in joints and stiffness and were facing many problems you should know how you are using your Credit card for not only
your mental peace but also physical health many people don’t know that by using Credit cards the interest starts and it’s amount keeps increasing and there is a solution related to it, which you will know in 4th point but first remember that that clear all your
Debts as much as possible after that start your Savings journey properly Lesson no. 2 Financial safety net this might have even happened with you something needs repair in your home, like your phone is broken or your T.V is not turning on on there is a problem in
the engine of your car or bike like I remember my friend was saying, that the graphic card of his computer was spoilt the price was very high, at that time he didn’t had money to buy it so somehow he started working without graphic card at that time he didn’t had Credit
card and he didn’t want to borrow money from someone he he decided that next month when he gets Income he will buy the graphic card with that Income now look, many people are just like this if there is any problem, for it’s solution they use their
Credit card or depend on next salary if something happens they say, they will do it from next month do the EMI many times but author says, no one thinks what if their source of Income stops many people are salary based and their job is their main source of
Income there are only few people who have passive Income if their main source of Income dies of any reason job went or anything, even then, they will have a different source of Income on which they can depend on now as it was seen
during Covid time where many people lost their job and were destroyed completely so well what is it’s solution, the author says If you want to feel better about your none;">Finances today then you should spend more time thinking about what you are gonna pay for tomorrow which means basically author is saying us here we have to create an emergency fund you store your money, at a place where you can use it even after loosing your main source of
Income you cannot spend this money on any random things like for vacation, for buying a car or anything no here you have to create an emergency fund which should be the backup of your main Income source because of which, in case something happens and you loose your
job you will not get a new job until you can survive and be safe and how to do that, well to do that author says that you have to calculate your monthly expenses let’s say your monthly expenses is 20,000 rupees you should at least keep 1,20,000 rupees safe at side which is your emergency fund
if there is any problem, like covid, lock-down even then you will have a buffer time of 6 months where you can do many things, can find a job or create a new source of Revenue which will be very helpful for your survival and your respect Lesson no. 3 Invest conservatively and buy
stocks with caution to increase your wealth J Walk when they launched a website Priceline of discount offer in the early 2000’s by this their Net Worth reached $1.8 Billion in just one year and at the other side the world’s greatest investor Warren Buffet they had to
wait 55 years to earn their first Billion Dollars look there is how much difference but the thing is J Walk’s Income was not sustainable everyone knew that this dotcom bubble will burst and when that bubble burst, by end of October 2000 in just a few months, out of billions
of dollars of J walk only 33 Million Dollars were left and Warren Buffet were into the top 1% richest club of the world and are still today and for the coming many years, he will be in the top 1% list the reason behind this is, Warren Buffet, is investing from past 7 decades and he had rarely sold
his Shares so even the author says, if someone wants to be financially free so to invest your money Stock Market can be a very good place to you where you get not only returns, but the company pay you Dividends many times which means they share
some percent of their Profit to their share holders for example you might know that Warren Buffet is a major share holder of Coca Cola so the C.E.O of Coca Cola he gets the highest 16 Million Dollar salary per year on the other side, Warren Buffet by the Dividends
of Coca Cola earn 547 Million Dollars so you might have understood where to invest to become financially free author says when you think long term to invest in Stock Market you don’t need to understand any rocket science but the companies which you know about properly or
better use their products daily which you are using from many years, which you believe on you like those products it will be good for you to invest in such companies and one of the most successful Mutual Fund manager Peter Lynns, who had wrote many good books on investment even he says the same
thing you should invest in such companies whose products you use or you know better about them whose products you like and you believe on as many people use I phone eat Maggie, drink Coca Cola use Tesla Cars so it can be good for you to invest in such companies as it was proven in the starting
story and here you don’t need to see the daily fluctuations of the market in the Intelligent Investor, the mentor of Warren Buffet, Benjamin Graham, even they say in their book that we should not focus on the daily fluctuations of the market but you should just pick the good companies and
invest in that for long term this will give you very good returns in long run now look friends ya there are many Unicorns in India, which are doing very well and there are many companies in America which are giving exponential returns it can be easy to find them, because of their technological
innovations so we Indians should know about this opportunity that we can benefit from the opportunities of the growth outside so you can make this resolution this new year that you will globally diversify your Portfolio for better returns and safety in fact even before this new
year starts, any of your favorite company either Apple, Tesla, Google, Amazon or Netflix or whichever company you like, comment it down buy the Shares of that company and to start all things easily what we did was we have collaborated with IND Money and picked few free
Shares which you can get for free before to buy US stocks you had to bare many charges had to spend a lot of money but with the help of IND money you can get 0 account opening fees 0 maintenance fees and with the help of 0 Brokerage fees you can buy or sell US
stocks plus you get the best exchange rates here plus with the help of this app, you can track all your Investments all Investments you have did, whether is Mutual Funds, Stocks or text-decoration: none;">Crypto as I do the same by using this app so if you benefit from this and want to buy Tesla Stocks for free you just need to download IND money from the link given below and you will get few free Shares of Tesla in the reward section you will get a part
of that share only if you go with the link given below but if you download IND money directly from Play Store or App Store you need to enter the code while signing up which I am showing on screen SEEKENTESLA code you have to put that, then you will get those free stocks Point no 4 is Rugality leads
to better Finances look our physical health, mental health and relationships and overall in entire life, habits play the biggest role and this is an universal fact that good
habits makes good life financial success is nothing but the result of your good habits if you think logically if you want to be financially free you have to save money, you have to invest it but you have very less time so it is very important for you to save and invest money author says 90% people
can’t achieve financial freedom because of their bad habits their bad habits impact Savings a lot because people don’t think exponentially they always think linearly example what we think is, I am just eating one pizza, what will happen by that I am just eating one
burger today, what will happen with that with these small things, they make it a habit and start eating outside food order everyday some thing or the other from Zomato at least it happens every week and that becomes a habit because of which a particular amount Zomato gets every time goes to
different junk food companies money is also going plus all these things impact your health I saw a CashNews.co, there were two people both take different choice every day one person gets up early then the other gets up late one person eats junk food everyday the other person eats healthy all these
small choice which comes in front of us everyday our habits one person spends his money on useless things buys and eats useless things on the other hand the other person instead of eating unwanted things he saves it or eats healthy food and all these things of 1 day, 2 day, I month or 1 year
compounds it’s effect becomes so high that the person who had bad habits his health gets worse his money slowly decreases and his relationship life, everything comes to an end on the other side, who had made small habits those small habits brings improvement in his life slowly his
Savings and his Investments start giving him money his health helps him living a good life and in long term one person’s frugality changes his life completely on the other hand, the ignorance, his smoking, eating unhealthy will destroy his life so even you
have to understand this thing that the small decisions which you are taking everyday may be you won’t see it’s results today, tomorrow or even after a month but you will definitely see some difference in some years and that thing will hurt you in the long run so start living your life
frugally instead of spending on unwanted things, start saving start investing ya it might not help you to get rich in some time but definitely in long run, you can save money and make money so don’t keep linear thinking, keep exponential thinking how can you do all these things try not to
spend more than 50% of your Income and you have to invest 12% for long term for retirement and all if you do like this, you will benefit from it in long run I want to say you a bonus point, start working on different sources of Income start working on many
different sources of Income as much as possible if you just have one job then obviously that’s very risky thing you have to create sources of Income side by side which can give you Income at least a little this thing will help you to earn
money in long run and to be financially free if you want me to make a separate CashNews.co on this topic how can you make you r side Income, do comment and let me know if you are interested in buying free share of Tesla there is a link given in description from there you can
download IND money after downloading, you will see those Shares in the reward section if you are directly directing it from Play Store or App Store while signing up you have to enter a code SEEKENTESLA by this you will get the reward that’s all for now, thanks for watching
/>
Now that you’re fully informed, watch this amazing video on FROM HERE TO FINANCIAL HAPPINESS 💸 ENRICH YOUR LIFE IN 77 DAYS – FINANCE BOOK SUMMARY. With over 2074088 views, this video deepens your understanding of Finance.CashNews, your go-to portal for financial news and insights.
#FINANCIAL #HAPPINESS #ENRICH #LIFE #DAYS #FINANCE #BOOK #SUMMARY#1a73e8 #333 #BOOK #DAYS #ENRICH #finance #Financial #HAPPINESS #Life #SUMMARY
-
Lockdown diaries, May 2020
🌱 If you’re following my website via RSS or subscription, please note that this is just a “seedling” or a post where it is a work in progress.
May 1, 2020
OMG DO YOU KNOW HOW LONG I’VE WAITED FOR THIS https://t.co/DS2vGZV2k8May 1, 2020
I am just supremely glad this is allowed now. But heck, everything else feels vague. https://t.co/PIrX0OxhQTMay 1, 2020
Feeling the pressure to be productive during #COVID19 lockdown? Here’s a daring idea: Do nothing. https://t.co/bxKlGZhdslMay 2, 2020
The Malaysian dilemma on Monday. Some companies are already asking their workers to return to the office https://t.co/Lgd4Cr49PZMay 2, 2020
Yes community gardens are allowed to open. Oh, finally I can visit my dear spinach https://t.co/wFhCIL5K9aMay 2, 2020
I managed to see Tuxie, the cat I rescued weeks ago. He’s doing well and (ahem) still looking for a home. PM me if you are keen. He is a sweet boy! https://t.co/j1PFvSH8d6May 2, 2020
Don’t dick around with Ginger, pup. https://t.co/hbZYWuSisUMay 2, 2020
Er … how? https://t.co/YYDxUkCDQcMay 3, 2020
Was browsing photos in Google Photos and while it was heckin expensive, I was glad I gallavanted around Adelaide and then Melbourne with @evelyn_teo – especially since we have no idea when international travel will resume! https://t.co/3lqcku4jS7May 3, 2020
Feel like kneading bread today. So I shall.May 4, 2020
Throwing out your food scraps with your garbage isn’t good for the environment. So what do you do? Some tips: https://t.co/i3F5OLxzJvMay 7, 2020
Tuxie is ready to be released. I am desperately looking for someone to foster or adopt him as I live in an apartment that does not allow pets. So if you know where Tuxie can go to live safely, whether it be a foster home, shelter or better, adopted, please let me know. https://t.co/QBHTLcmVPr
Embedded image permalinkMay 9, 2020
Finally could focus enough to watch something and I lucked out with While You Were Sleeping. It hit all the right notes for me Now I am on the hunt for more like this @kfangurl any suggestions? 😛 https://t.co/cH7VHtAbIK
Embedded image permalinkMay 12, 2020
I don’t know about quick, but these are solid steps 👇 https://t.co/P7tc1oUKnlMay 13, 2020
I resisted #TheKingEternalMonarch for as long as I could but gave in after seeing this scene. Sure, Lee Min Hi is pretty as heck but Woo Do Hwan being able to play two completely different characters so flawlessly is way sexier. 😁 https://t.co/ym82SBuPOoMay 13, 2020
The product placements in #TheKingEternalMonarch is so obvious 😆May 13, 2020
Made another batch of steamed buns. I feel terribly accomplished as a homemaker today. Cleaned the bathroom, mopped and swept floors and made batches of steamed buns. https://t.co/CO8WLQBK5qMay 14, 2020
I have to say I am pretty fanatical about cleaning my floors. I would sweep 2x and mop 2x. I would not stop until the floor is squeaky. I suppose that’s the least you would expect from someone who takes great pleasure in cleaning the bathroom tiles with a toothbrush 😁May 14, 2020
Realised I don’t much like my Twitter feed, what with all the negative news. So I cleaned it up. #sorrynotsorryMay 14, 2020
This is totally a sign from above!! https://t.co/0C1w0bXZCcMay 15, 2020
Are there any Asian bloggers who write about sustainability, minimalism, permaculture, and zero waste living? Please let me know as I want to follow!May 15, 2020
Was given this by an aunty at the community garden today. Anyone knows what it is? Apparently it’s incredibly bitter and I have to do all kinds of things to make it edible. Curious to know it’s name. https://t.co/0VE5HbNU8g
Embedded image permalinkMay 16, 2020
Just when you thought that human intelligence hasn’t reached rock bottom yet https://t.co/gptY2qTxkIMay 17, 2020
Unpopular opinion: I prefer Massimo over GardeniaMay 17, 2020
I’ve been inundated with numerous free webinars & while I am grateful for them, I am concerned about the message that we should be productive during #COVID. There’s more than 1 way to make use of the time we have – how about we rest & reflect? https://t.co/bxKlGZyOjTMay 17, 2020
Preach! https://t.co/X5U5RXqFsdMay 18, 2020
Love this article by @NomadNumbers. The message: Life is short, do what you love. Or rather, live the life you love and never want to escape from. https://t.co/KGWiMtNMunMay 18, 2020
“We’re only worth something if we’re productive” – that’s the message of our times. But recovery time is key to innovation and output.
https://t.co/IGKi865pbQMay 18, 2020
I am totally guilty for having way too many characters in my novels. For one, I give names to my spear holders. lol. But @annerallen has great tips on overcoming this problem: https://t.co/VmJAZb7AJCMay 18, 2020
YESSSS https://t.co/jPsPsDeMpQMay 19, 2020
If you are given a million bucks today, what would you do with it? #QuestionOfTheDayMay 19, 2020
I couldn’t agree more. I cannot imagine what Americans are going through now. Prayers for all! https://t.co/LldMOLmxCsMay 19, 2020
As a budding entrepreneur, I have to say I’ve got some work to do! How about you – recognise any limiting beliefs you have? Via @TheFioneers https://t.co/QsP5EwTQtuMay 19, 2020
A few years ago, I thought I was dying. I was in constantly in pain & exhausted. Once, during dinner break, I slept in my car – I couldn’t stay upright. My condition left as mysteriously as it came. @esmewang’s story really spoke to me.
https://t.co/Iv8VvehLa7May 19, 2020
Working hard at being financially independent is prob the best thing I’ve done for myself. But working too hard on being FI has downsides. Somehow, along the way, I lost myself.
https://t.co/ofm9esdLy6May 19, 2020
This 👇 https://t.co/Vngm5gZtPxMay 19, 2020
“I was so vigilant to avoid unnecessary spending that whenever an opportunity came up, I would immediately shut it down.” https://t.co/IjMK3ROpmwMay 20, 2020
Ok I will never drink diet coke at 8pm ever againMay 20, 2020
Do I regret living it up the moment I received a bigger paycheck? Yes & No. What this experience taught me – I enjoyed living frugally more than lavishly. So having experienced it left me with no regrets or FOMO https://t.co/YKMPu5c2NRMay 20, 2020
Yes, ma’am! (And I am so going to use the word doomscrolling from now on.) https://t.co/GyadfHgVHNMay 20, 2020
I am gonna do something exciting today – downgrade my mobile plan. Figured that with me being home most of the time, an unlimited data plan seems pointless. But it’s annoying that @digitelco requires u to go to a specific centre to do this. 😑May 20, 2020
With BluInc closed down, what remains of journalism in Malaysia? Variety has vanished – I grieve for the demise of long-form journalism.May 20, 2020
I write fiction with a starship crew & keeping the cast of characters lean has been a challenge for me. @annerallen has great tips on overcoming this problem: https://t.co/VmJAZbpbBaMay 20, 2020
Am going to Sunway Pyramid and it feels like I am going to Langkawi. During a zombie apocalypse.May 20, 2020
I’ve often wondered this. But wonder if @karenkho’s situation is more applicable in the West where they have more open attitudes about workers speaking up about work not being as rosy. Somehow I don’t picture Malaysian employers being as understanding. https://t.co/mToDQWw8sKMay 20, 2020
First @NAQureshi & now @RaviZacharias? I once had the rare opportunity to interview Ravi & he is a man of great depth & understanding of the scripture. A great loss to Christian apolagetics. So sad 😦 https://t.co/ldqjqJMllRMay 20, 2020
Anyone in Malaysia, Singapore or SEA using the @Freeletics app? Want to connect? I need motivation & accountability! Confession: I bought the coach app and have barely used it 😬May 21, 2020
As I #StayAtHome most of the time now, an unlimited data plan feels too much. Downgraded to @digitelco Postpaid 38 plan & reduced bill from RM106 to RM42. Oddly this plan is available in certain stores & is not online. I did mine at the Digi centre in Sunway Pyramid.May 21, 2020
This is a new word inspired by 2020 https://t.co/lEKtcWBOJVMay 21, 2020
For my biz, I use mostly online services that are based abroad. Mailing list – @MailerLite, website – @squarespace, ebook distribution – @Draft2Digital. So far I have not found local equivelants that are as good or cost effective. If you know some, do recommend me some.May 21, 2020
Hi @jessmichaelsbks really ❤️ yr books! Was wondering if you could make more of them available on @Scribd?May 21, 2020
Just received royalty payment from @Smashwords for my books. Moments like these give me hope that earning an income from indie publishing could be possible.May 21, 2020
My #financialindependence goal for 2020 & beyond: to increase streams of income from 3 to 5.May 21, 2020
Finally after weeks of trying to find a home for Tuxie, he’s been adopted. Watch his story here https://t.co/mTXkrB1gyUMay 21, 2020
Oh yes, baby YEAST. I learned how to make my own steamed mantaus thanks to the #movementcontrolorder. They are so cheap to make! I make 8 pieces from a packet of yeast & 350g of flour – about 20c a piece! I can’t buy store-bought mantao anymore cos mine’s yummier & cheaper. 😆 https://t.co/1bKfaLIVG2
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Media: Are you sure you’re a good lover? https://t.co/QHCMRxrkmA
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I was told that journalism wouldn’t fit me, I would hate it and find it boring. I spent 15 yrs in the no.1 English newspaper in Malaysia, travelled the world writing about cool stuff & interviewing big league players. Listen to yourself first. https://t.co/6Ksf9uh99dMay 22, 2020
Omg this is sci-fi level stuff @tedmahsun https://t.co/KnhIHcgNOAMay 22, 2020
I never understood @Apple mania until I bought an iPhone and MacBook Air. It’s true. They just work. By now, my android phone or Windows laptop would be crawling, riddled with bugs & viruses. If you want more long lasting tech, go apple. Ok, you can attack me now 😆May 22, 2020
Unpopular opinion: Most Malaysian personal finance bloggers are all about making more money. Making money is great but how about frugal living, simple & debt free living? Sometimes I feel like the lone voice in the wildernessMay 22, 2020
I relate to this cat hard. https://t.co/R2eyDMvIuTMay 22, 2020
“When I came back to Malaysia after being laid off twice in Singapore. I had enough. I had enough with the Oil & Gas industry, and I had enough of being an employee.” https://t.co/ydaXkWRRiWMay 22, 2020
Malatsian #personalfinance bloggers – have you been unemployed before? How did you manage that period emotionally & financially? What did you do to emerge from it? I would ❤️ to list & share your posts. I think many people will appreciate learning from them now.May 23, 2020
Have you been unemployed before? Either laid off or quit your job without another? How did you manage financially & emotionally? Do send me your posts so I can list them as a resource for those struggling with job loss now.
PS: you don’t have to be Malaysian!May 23, 2020
Am I the only one that thinks – that poor cup of soda? https://t.co/HiUliR3HP8May 23, 2020
As usual, dropped by at the community garden to do some work. Harvested sweet potato leaves & chillies. Growing your own food is one of the most empowering things you can do for yourself. Growing food as a community is extraordinary. https://t.co/DBLzEzyTStMay 23, 2020
In the 1990s, Cuba had a huge economic crisis. People nearly starved. But they came together & changed their way of life. They planted vegetables wherever they could, changed their diets, walked & biked more.Watch: https://t.co/bXnjkC4cQY
May 23, 2020
Watching all these documentaries on Cuban organic farming revolution made me think about one of my fav bands ever – Buena Vista Social Club https://t.co/h8jkON9loJMay 23, 2020
God is creative. And may have watched the Species movies. https://t.co/73aAjbuzDLMay 23, 2020
I am surprised this tweet blew up 😅 But am also surprised that some are hostile to the idea of frugality & simple living. Some Malaysians seem to think frugality & minimalism = deprivation & suffering, and the only way out is to earn more. https://t.co/fyB1VM1ypAMay 23, 2020
When your mum sneaks in 6 paus into your bag because she thinks you are starving. ❤️ Mum, have a look at me. I got lots of “backup food”.May 23, 2020
Still inspiring 🙂 https://t.co/uqWXjEY4C3May 23, 2020
Whoa I am 20 subs away from 1000. So close! Who would have thought? Thank you guys. Somehow my weird thoughts are interesting to you guys 😆 https://t.co/Zzb7QfXZzw
GIFMay 24, 2020
She gave up the chance at a corporate career to be an urban farmer in Singapore. “Money is a tool to do things. But people often forget that it’s not the only way to live life.” https://t.co/yDDPsR3uHcMay 24, 2020
SELAMAT HARI RAYA MALAYSIANSSS https://t.co/F2Sd3G8MPyMay 25, 2020
I remember reading a local personal finance book once and the examples she used were people who were earning RM15k per month. 😅 I couldn’t relate at allMay 25, 2020
Hello personal finance people! What are your plans today?May 25, 2020
Realised that I have been freelancing most of my life without realising it. First time when I was 20, then a few jobs here there. When I moved to Australia I managed to find clients too, so I guess I do have the freelancing spirit. Now to hone it!May 25, 2020
So here’s a cheery question first thing in the morning! Have you prepared a will? If so why did you/did you not?May 25, 2020
Watching my @StashAwayAPAC investments dance around the graph has been very entertaining.May 25, 2020
I really relate to @FinancialGory. The moment I feel comfortable, I get restless. Although I spent 15 years in the Star, I changed departments/roles every 3-4 years, learning new skills along the way. At 35 I moved to Australia, & trained to be a nurse.May 25, 2020
You can reengineer sidewalks, tiny spaces of dirt into edible land. https://t.co/e6scogrjZOMay 25, 2020
Lol say it sister https://t.co/QjApU2eG0UMay 25, 2020
Start cutescrolling instead! https://t.co/yzlZPLdUmUMay 25, 2020
Baptisms in the age of #COVID2019 can be a tad confrontational https://t.co/p076LBspNmMay 26, 2020
Yippee I crossed the 1000 subscribers mark. Thank you, friends! https://t.co/ZZVyAEiTr3
GIFMay 26, 2020
One of mymost important projects this season is to grow food for myself. I am now planting spinach, sweet potato leaves & kangkong in my parents’ house and the community garden. If all goes well, I will have a healthy supply of organic greens in 2 months (hopefully less!) https://t.co/uH7QeAByNmMay 26, 2020
This is so politically incorrect but yet I am 😂 Forgive me https://t.co/almD60VDDlMay 26, 2020
I am fortunate that, unlike some professions, I have the power to create my own projects without asking for permission. As a writer, I can write until I am in my deathbed and no one can say, “you are too old to do this” or “you need this cert to show us you know this stuff.”May 27, 2020
Well this tweet blew up. But really, I stand by it. When healthcare workers are literally melting into a puddle of sweat every day to protect us, we can wear that dang mask to ensure we don’t spread infection to each other. https://t.co/rqDCHuCoxjMay 27, 2020
Happy to see the spinach seedlings grow around the lone ginger in this space. May I get bountiful harvest soon. https://t.co/GsMQZG1qEo
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Also started adding mulch. Was getting tired of the weeds and wanted a way to ensure they don’t go out of control and also prevent the ground from drying out too quickly. Made the mulch from tree leaves, twigs and coconut leaves. https://t.co/T7wnNAJGNA
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The American stock market is being totally weird. https://t.co/3ry9YyGlV2May 27, 2020
Mine’s consistently 36C. But apparently there are undead in Malaysia, because I have seen those with temps of 31-33C 🤔 https://t.co/wg2asEjksTMay 27, 2020
Ok what is this Fortnite thing and why is it so awesome?May 27, 2020
People in Malaysia are quickly forgetting the importance of this. https://t.co/5GpZaSl6hAMay 28, 2020
I am so obsessed with making steamed mantau that I may end up being called Ms Mantau one day. https://t.co/ausx3LnkoR
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Confession: I have not dared to look at my unit trust investments. Probably will only dare to look end of next year 😄😂May 28, 2020
Went to mall. My temp is 33C today. Apparently I died and no one gave me the memo? 😂May 28, 2020
Malaysians need to start Victory Gardens too. They are amazingly reassuring during times of crisis. Am inspired by @TreadLightly_RE https://t.co/6liHvKPKadMay 28, 2020
Ok what in the world is going on America https://t.co/A2jrIOPqUbMay 29, 2020
Warning: Cerita panjang! Recently, I come to realise tht many Msians think frugality = deprivation & that the only way to have a better life is to earn more $. Poverty is real but Frugality + Good Money Habits + Self sufficiency + Relationships = Awesome life. 1/6 https://t.co/aVXs5zDVeb
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Yeah, that ONE day I had to drive to office, it pours like it had not rained for weeks.May 29, 2020
I’m addicted to @Refinery29’s Money Diaries where folks detail their spending habits for a week. Can we do a Malaysian version?? https://t.co/WrhVHT9tQtMay 29, 2020
OMG I DON’T THINK I CAN DO THIS.
I still have my high school journals ;D
https://t.co/I3Xea7DMsLMay 29, 2020
But why?? https://t.co/eRnRgzppXWMay 29, 2020
My commute to and from the office used to be over 2 hours a day. I am at work 9 hours a day. It all seems extremely long now.May 30, 2020
The only things I miss from the office: free flow coffee & all-day aircond. I don’t use it most of the time at home except at night and I am a puddle of sweat every day 😵May 30, 2020
My love for permaculture was sparked in Australia, when I met people like Yin who taught me how to grow your own food and live sustainably: https://t.co/XzPsQagKfrMay 30, 2020
So very sad 😭 Subang Parade MPH has been in the neighborhood for decades. It is my fav hang out place to chillax with books. Now…? 😭 https://t.co/tccpZpBgcyMay 30, 2020
Me reading the #MinneapolisRiot thread https://t.co/e03kNLIzK8
GIFMay 30, 2020
I made my own bubble tea 😁 https://t.co/KzL9xs0nnF
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This is so beautiful. We need this Malaysian residential streets https://t.co/ZOS0mShnAM#coronavirus #COVID #covid19 #COVID19 #COVID2019 #financialindependence #health #mentalHealth #MinneapolisRiot #movementcontrolorder #personalfinance #QuestionOfTheDay #seedling #sorrynotsorry #StayAtHome #TheKingEternalMonarch
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Woman creates 1940s-inspired home to pay off her mortgage in just 8 years
https://fed.brid.gy/r/https://www.upworthy.com/1940s-frugal-living-tips
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30 things frugal people have completely stopped buying to save tons of money
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Frugal people share their best money-saving tips that worked for them in 2025
https://fed.brid.gy/r/https://www.upworthy.com/frugal-tips-for-2026
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30 things frugal folks have stopped buying to save big time
https://fed.brid.gy/r/https://www.upworthy.com/stop-buying-these-things-ex1
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People who live alone share their 45 favorite solo living money-saving hacks
https://fed.brid.gy/r/https://www.upworthy.com/people-living-alone-money-saving-tipsex1
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30 cheap and delicious meals frugal people swear they never get sick of
https://fed.brid.gy/r/https://www.upworthy.com/30-cheap-meals-people-love-ex1
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Frugal people share 14 small, daily habits that stop them from wasting money
https://fed.brid.gy/r/https://www.upworthy.com/14-frugal-habits-to-save-money
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Frugal people share the best money-saving advice from parents and grandparents they still use
https://fed.brid.gy/r/https://www.upworthy.com/frugal-living-tips-ex1/
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Frugal people share their 35 splurges that are worth ‘every penny’
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Frugal people share exactly how much money they saved on their best thrifty lifestyle changes
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Frugal people share exactly how much money they saved on their best thrifty lifestyle changes
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Frugal people share exactly how much money they saved on their best thrifty lifestyle changes
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Frugal people share exactly how much money they saved on their best thrifty lifestyle changes
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Frugal people say you don't need to be rich to buy these 15 life-simplifying 'luxuries'
https://fed.brid.gy/r/https://www.upworthy.com/15-life-changing-frugal-luxuries-ex1
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A single mom from Michigan shared 5 frugal tips for keeping her home warm during brutal winters
https://fed.brid.gy/r/https://www.upworthy.com/single-mom-frugal-home-heating-tips
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Cleaner shows how to affordably 'fancy up' a worn-down home, and so many people finally feel seen
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Cleaner shows how to affordably 'fancy up' a worn-down home, and so many people finally feel seen
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Cleaner shows how to affordably 'fancy up' a worn-down home, and so many people finally feel seen
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Cleaner shows how to affordably 'fancy up' a worn-down home, and so many people finally feel seen