morgan housel podcast appearances and mentions

793. When Comparison Steals Contentment

Play Episode Listen Later Mar 2, 2026 3:15

In this episode, Dr. Killeen reflects on how comparison has shifted over time and why modern exposure to extreme lifestyles can quietly erode our sense of enough. Drawing on insights from Morgan Housel, he explores the difference between healthy ambition and toxic discontent. This invites you to notice where comparison may be driving dissatisfaction and to define what enough looks like in your current season. Progress is powerful, but only when it is rooted in purpose rather than pressure.

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《花錢的藝術》【說書】為什麼有些錢越花越痛苦？別再被錢牽著走！

Practice with Cheryl Lee

Play Episode Listen Later Feb 28, 2026 10:54

Morgan Housel最新書籍！一如既往的好讀也精彩～《花錢的藝術》The Art of Spending Money 購書鏈接

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You Don't Need to Be a Money Genius to Win SB1809

The Stacking Benjamins Show

Play Episode Listen Later Feb 27, 2026 70:59

Live from Joe's mom's basement (where humility is encouraged and spreadsheets are optional), the crew tackles a deceptively simple question. If most people think they're above average with money, what advice actually helps someone who isn't? Joe Saul-Sehy, OG, Doug, Jesse Cramer, and guest Whitney Hanson (Money Nerds podcast) run a thought experiment inspired by Morgan Housel's observation that nearly everyone believes they're financially smarter than the median. What straightforward moves keep someone from needing last minute financial Hail Marys? The answer isn't flashy. It's systems. Whitney kicks things off with a practical starting point: identify your knowledge gaps. Tools like Investor.gov quizzes can reveal blind spots, and she suggests theming your learning (one focus per month) so financial literacy doesn't feel overwhelming. From there, the conversation turns to controllables: cash flow, savings rate, lifestyle inflation, and career capital. Because while markets bounce around, your habits are yours. The gang also introduces the idea of a tactile money leak audit, physically reviewing spending to spot waste that autopilot budgeting apps can miss. It's less glamorous than crypto speculation but far more effective. Investing gets reframed too. Instead of treating it like a mysterious Wall Street game, they suggest thinking of it as owning small pieces of companies you already know and use. Start small. Automate it. Build reps. Confidence follows action. Insurance and estate planning round out the episode. The crew urges listeners to shop multiple advisors, understand policy details before signing, use AI to help decode fine print without blindly trusting it, and avoid overconfidence just because something sounds right. Doug keeps things lively with trivia revealing that Johnny Carson's 1982 DUI fine was a very specific $603, and OG once again proves suspiciously good at guessing. What You'll Learn: Why most people overestimate their financial knowledge and what to do about it How to identify and close your personal money knowledge gaps The key financial variables you actually control How to perform a simple money leak audit Why small, automatic investing beats waiting for the perfect moment How to make investing feel familiar instead of intimidating The basics everyone should understand about insurance and estate planning Why repetition builds financial confidence faster than theory The Big Takeaway: You don't need advanced tactics. You need consistent systems. Focus on what you control. Automate the boring stuff. Learn one thing at a time. Build margin. Repeat. Because the goal isn't to be above average. It's to be steady enough that you never need a desperate Hail Mary. This Episode Is For You If: You feel like everyone else has money figured out except you Financial advice usually feels too complicated or assumes knowledge you don't have You're tired of feeling behind and want simple systems that work You want to build confidence through action, not just theory You believe steady progress beats trying to be perfect Question for You: What was the first simple money habit that changed your trajectory? Share it in the Spotify comments or The Basement Facebook group. Your small win might be exactly what another Stacker needs to hear. Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

#124 Money Expert: Trick Your Brain to STOP Spending Money | Morgan Housel

BigDeal

Play Episode Listen Later Feb 27, 2026 57:56

Is true wealthbuilding as simple as asking for a raise? Or is it just picking the right stock? Well… no. Morgan Housel argues the cornerstone of true wealthbuilding lies in understanding — and controlling — your behavior. After studying the psychology of money and writing The Psychology of Money, he's seen why brilliant people go broke and ordinary people quietly build fortunes. Patience beats IQ. Independence beats status. And the real game is managing your own impulses. In this conversation you'll learn why a janitor died with millions while a Harvard MBA went bankrupt, why most high earners still live paycheck to paycheck, why diversification won't make you the richest but will keep you from blowing up, why the biggest financial decisions are school, house, car, childcare, and insurance, and why reading history matters more than reading forecasts. This isn't about skipping lattes. It's about mastering the behaviors that actually build wealth and avoiding the ones that quietly destroy it. ___________ 00:00:00 Introduction 00:01:09 The Latte Story: Why Financial Advice Is Broken 00:03:00 Ronald Reed vs Richard Faskone: Behavior Beats Intelligence 00:10:18 The Passive Income Myth and What Really Moves the Needle 00:14:40 Nobody's Watching You: The Ferrari Paradox 00:20:01 The Biggest Lie About Money 00:25:17 The Desert Island Test: Utility vs Status 00:28:05 To Rent or Buy: The House Question 00:30:21 Robinhood vs Vanguard: Gamification and the Future 00:32:48 Rich People Habits: Obsession and Long-Term Thinking 00:34:50 The Great Depression Lesson and Why History Matters 00:49:52 Rapid Fire: Money Clichés Debunked ___________ MORE FROM BIGDEAL

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Is This The Best Book To Learn How To Invest?

Limitless

Play Episode Listen Later Feb 27, 2026 53:00

Dr. Matthew Preston and Dr. Thaon Simms review two investing classics that transformed how they think about money. Thaon breaks down Morgan Housel's Psychology of Money, revealing why a janitor accumulated $8 million while a Harvard executive went bankrupt. Preston dives into Warren Buffett's shareholder letters, explaining why Buffett says any company with an economist has one employee too many.You'll discover why behavior trumps intelligence in investing, how 84% of Buffett's wealth came after age 50, the dangerous trap of moving financial goalposts, and why circle of competence matters more than credentials.Chapters:00:00 Introduction to Financial Book Club00:52 The Psychology of Money by Morgan Housel02:07 Behavior vs Intelligence in Investing05:36 The Janitor vs The Harvard Grad09:03 Reasonable vs Rational Decision Making12:33 The Art of Survival and Compounding14:33 Room for Error and Margin of Safety18:28 Defining Enough and Finding Freedom20:09 Happiness and Lower Expectations24:02 The Essays of Warren Buffett26:09 Margin of Safety in Practice27:57 Circle of Competence Explained29:19 Medical Stocks and Unfair Advantages32:42 Mr Market Analogy35:38 Ignoring Macro Predictions37:38 Why Economists Can't Forecast41:51 Management Alignment with Shareholders42:38 Book Recommendations Request

TF#377 - El arte de gastar dinero (Parte 1)

Trascendencia Financiera con César Tánchez

Play Episode Listen Later Feb 27, 2026 77:45

En esta César Tánchez junto a Mario López Salguero nos comparten algunos aprendizajes del libro escrito por Morgan Housel sobre como el gastar dinero es un arte y la importancia que tiene el hacerlo con inteligencia. Espero te lo disfrutes. Para más recursos visita www.CesarTanchez.com

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La Psicologia dei Soldi (Morgan Hausel)

Smettere di lavorare

Play Episode Listen Later Feb 27, 2026 11:28

Gestire il denaro non è una sfida tecnica, ma una battaglia contro la nostra stessa natura. In questo video esploriamo i concetti chiave di Morgan Housel per capire come le emozioni, l'ego e i pregiudizi influenzino le nostre finanze più di qualsiasi foglio Excel. Scopri perché il successo finanziario è una "soft skill" dove il comportamento conta molto più dell'intelligenza pura, e come la tua storia personale modella il modo in cui vedi il rischio e la ricchezza.

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Why Behavior Beats Spreadsheets

Emotional Balance Sheet with Paul Fenner

Play Episode Listen Later Feb 26, 2026 8:39

Have you ever wondered why two families with nearly identical financial situations can end up in completely different places? It's not because the math was wrong, but because of how they responded when it mattered. Today, I am digging into why financial success has less to do with what we know and more to do with what we actually do when we're staring down competing priorities. I walk through two real client situations in which both families had solid plans but were facing trade-offs among mortgage payoff, 529 contributions, retirement investing, and home upgrades. Same numbers, different behavior. One family saw flexibility as freedom, the other saw debt elimination as emotional relief. I also explore how our sense of security, fear of missing out, and guilt about not doing enough for our kids quietly drive the financial decisions we think are purely logical, and why Morgan Housel's idea that optimism is about perseverance, not perfection, applies to how we parent and plan. Your action step this week: pick one financial behavior that tends to trip you up and simply notice it. Don't judge it. Just observe because you can't improve what you can't see. Connect with Paul If you're a family with multiple kids who feel like your money should be working harder but aren't sure where to start, I do complimentary 30-minute financial reviews. Schedule a meeting here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn. Resources Featured in This Episode: Rethinking the Relationship Between Money and Happiness Inflated Expectations: The Hidden Force Undermining Financial Peace Money is a Number, Emotions are Stories

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48. The Best Financial Advice You'll Ever Hear - Morgan Housel

The Icons

Play Episode Listen Later Feb 26, 2026 59:33

Are you trapped in a money race with no finish line? In this episode of The Icons, host Tyler Waye sits down with Morgan Housel to dismantle the myth that more money equals more happiness. This isn't a lecture on spreadsheets; it's a masterclass in reclaiming your freedom from the "ego tax" that keeps most people broke and stressed. If you've ever felt like your lifestyle is expanding faster than your peace of mind, Housel's counterintuitive wisdom will show you how to stop chasing status and start buying back your time.Interview Guest Morgan Houselhttps://www.morganhousel.com/https://www.instagram.com/morganhouselhttps://x.com/morganhouselhttps://podcasts.apple.com/us/podcast/the-morgan-housel-podcast/id1675310669HostJoin host Tyler Waye — renowned work expert and Motiversity's Managing Partner — in discovering how The Icons defied all odds and succeeded in the face of adversity. Tyler and guests talk mindset, work ethic, failure, career advice, routines, motivation, life stories, leadership and how each icon got through the hard times in their journey to the top.Follow Tylerhttps://www.youtube.com/channel/UC3tWHKc-RcOeVlGyZQxtppQhttps://www.instagram.com/TylerWaye/https://www.linkedin.com/in/tylerwaye/http://tylerwaye.com/ Hosted on Acast. See acast.com/privacy for more information.

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The Only Financial Advice You'll Ever Need | Morgan Housel

Finding Mastery

Play Episode Listen Later Feb 25, 2026 69:22

What if the hardest part of money isn't earning it, but knowing how to use it well?Morgan Housel, bestselling author of The Psychology of Money, returns to Finding Mastery to explore the core idea behind his newest bestselling book, The Art of Spending Money. In this next chapter of his work, Morgan shifts the conversation away from accumulation and toward a deeper question: after the basics are covered, what role should money actually play in your life?While most financial advice focuses on how to earn and invest, Morgan argues that the more consequential skill is learning how to spend in alignment with your values. The challenge isn't simply getting rich. It's defining “enough.”In this conversation, Dr. Michael Gervais and Morgan unpack why money decisions are rarely logical and almost always emotional… shaped by identity, comparison, uncertainty, and the quiet pull of status. They explore the psychological difference between getting rich and staying rich, why uncertainty is a permanent feature of life, and how financial independence — not prestige — may be the real prize.At the center of it all is a powerful reframe:Money is a tool, not a scorecard.In this episode, we explore:Why money anxiety persists even when you're “doing fine” on paperHow comparison and status influence spending decisionsWhat it means to use money in service of “a good life”Why defining “enough” matters more than earning “more”How to spend with more intention and fewer regretsIf you're serious about building a life that feels aligned — not just impressive — this conversation offers a grounded, psychologically rigorous lens on how to think about money differently.__________________________________Links & ResourcesSubscribe to our Youtube Channel for more conversations at the intersection of high performance, leadership, and wellbeing: https://www.youtube.com/c/FindingMasteryGet exclusive discounts and support our amazing sponsors! Go to: https://findingmastery.com/sponsors/Subscribe to the Finding Mastery newsletter for weekly high performance insights: https://www.findingmastery.com/newsletter Download Dr. Mike's Morning Mindset Routine: findingmastery.com/morningmindset Follow on YouTube, Instagram, LinkedIn, and XSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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Why Doctors Save Too Much and Live Too Little

Money Meets Medicine

Play Episode Listen Later Feb 25, 2026 21:33

Should physicians trade their time for money — or is that equation fundamentally broken? In this episode, we unpack why so many doctors save too much for too long, sacrificing their best years to build a nest egg they struggle to spend. Drawing from Vicki Robin's Your Money or Your Life, Morgan Housel's Psychology of Money, and Bill Perkins' Die With Zero, we explore a healthier framework for thinking about time, money, and financial independence as a physician. Jimmy also shares a major personal update — after nearly twenty years at Wake Forest, he's making a career change that trades income for autonomy. No more nights, weekends, or holidays, but it comes at a real financial cost. It's the perfect case study for everything we discuss in this episode. We break down the three stages of a doctor's financial life — from residency where you have neither time nor money, to mid-career where you finally have income but no time, to financial independence where you get both back. The problem? Most physicians get stuck in the middle stage far longer than they need to because of identity inertia, golden handcuffs, lifestyle lock-in, and the fear of earning less. If you've ever wondered whether you should work less, take the pay cut, or keep grinding toward a number — this one's for you. Don't forget to: Check out Medical Degree Financial University at moneymeetsmedicine.com/MDFU Grab a free copy of The Physician Philosopher's Guide to Personal Finance at moneymeetsmedicine.com/freebook or Get an own-occupation disability insurance quote from a source you can trust at moneymeetsmedicine.com/disability Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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#149 - Morgan Housel on the Art of Spending Money

Evolving with Gratitude

Play Episode Listen Later Feb 24, 2026 37:27

What if the way you spend money says less about your finances and more about what you actually value? NYT Bestselling author Morgan Housel reveals why smart spending is an art, not a science, and how the choices we make with money are often driven more by status than we'd like to admit. We explore the difference between chasing happiness and finding contentment, why saving is really about purchasing independence, and how asking one simple question before every purchase can change everything.Thrive Global Article: Morgan Housel on the Art of Spending MoneyAbout Our Guest:Morgan Housel is the New York Times Bestselling author of The Psychology of Money, The Art of Spending Money, and Same As Ever. His books have sold over 11 million copies and have been translated into more than 60 languages. He is a two-time winner of the Best in Business Award from the Society of American Business Editors and Writers, and winner of the New York Times Sidney Award. MarketWatch named him one of the 50 most influential people in markets. He's a partner at The Collaborative Fund and serves on the board of directors at Markel. PodcastTwitterAbout Lainie:Lainie Rowell is a bestselling author, award-winning educator, and TEDx speaker. She is dedicated to human flourishing, focusing on community building, emotional intelligence, and honoring what makes each of us unique and dynamic through learner-driven design. She earned her degree in psychology and went on to earn both a post-graduate credential and a master's degree in education. An international keynote speaker, Lainie has presented in 41 states as well as in dozens of countries across 4 continents. As a consultant, Lainie's client list ranges from Fortune 100 companies like Apple and Google to school districts and independent schools. Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠linktr.ee/lainierowell⁠⁠⁠⁠⁠⁠⁠⁠⁠.Website - ⁠LainieRowell.com⁠Instagram - ⁠⁠⁠⁠⁠⁠⁠⁠@LainieRowell⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn - @LainieRowellX/Twitter - ⁠⁠⁠⁠⁠⁠⁠⁠@LainieRowell ⁠⁠⁠⁠⁠⁠⁠⁠Evolving with Gratitude, the book is available ⁠⁠⁠⁠⁠here!⁠⁠⁠⁠⁠⁠⁠ And now, Bold Gratitude: The Journal Designed for You and by You is available too!Both Evolving with Gratitude & Bold Gratitude have generous bulk pricing for purchasing 10+ copies delivered to the same location.

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BITCOIN: La decisión de las grandes compañías de tesorería

Crypto Mercados y Pymes

Play Episode Listen Later Feb 24, 2026 10:39

#bitcoin #btc #etf Enlaces de interés: - Enlace a mi primer libro "Mi exnovio es de la CIA": https://amzn.to/4iLt37j - Enlace sorteo token SOL y detalles token CMYP: https://www.cryptomercadosypymes.com/sorteo-del-token-cmyp/ - Enlace para suscribirte a la Newsletter de Crypto Mercados y Pymes: https://www.cryptomercadosypymes.com/ - Escríbeme a este mail si la suscripción a la newsletter o la Masterclass te da problemas: cryptomercadosypymes@gmail.com *********************************************************************** Conviértete en miembro de este canal para disfrutar de videos solo disponibles para miembros: https://www.youtube.com/channel/UC4DBbWZ3S16HxxgCLI5saAA/join *********************************************************************** Enlace de afiliación a la web de la billetera fría Ledger: https://shop.ledger.com/?r=96c89dbd786b *********************************************************************** Y este enlace de Amazon a varios libros muy recomendables: 1. "La filosofía de Bitcoin" de Álvaro D. María: https://amzn.to/3KiB5EE 2. ·"Imbatible. La fórmula para alcanzar la libertad financiera" de Tony Robbins: https://amzn.to/3yA003K 3. "Ten peor coche que tu vecino" de Luis Pita: https://amzn.to/3R2nQeR 4. "El sutil arte de que (casi todo) te importe una mi@rda" de Mark Manson : https://amzn.to/45aE4HZ 5. "La psicología del dinero. Cómo piensan los ricos". Morgan Housel: https://amzn.to/3WYj7Pi 6. "La medusa inmortal. Todo lo que hay que saber para vivir más años" de Nicklas Brendborg: https://amzn.to/4aDktSB 7. "El futuro de la humanidad". Michiu Kaku: https://amzn.to/3ysIPB2 *********************************************************************** Disclaimer: este video y su contenido son solo para fines informativos y no constituyen una oferta de venta o intercambio, una solicitud de compra o recomendación de ningún valor, criptomoneda o producto relacionado, ni constituye una oferta para proporcionar inversión asesoramiento u otros servicios relacionados por parte de Crypto Mercados y Pymes. Crypto Mercados y Pymes puede tener una inversión financiera con las criptomonedas discutidas en este video. Al preparar este video, NO se han tenido en cuenta las necesidades financieras o de inversión individuales del espectador ni se ofrece ningún consejo financiero o de inversión. Todas las opiniones expresadas en este video se prepararon en función de la información disponible en el momento en que se escribieron y/o publicaron dichas opiniones. Información modificada o adicional podría hacer que tales opiniones cambien. *********************************************************************** Crypto Mercados y Pymes, el mejor canal online sobre mercados financieros y criptomonedas: #bitcoin #cryptocurrency #news #btc #ethereum #eth #cryptocurrency #litecoin #altcoin #altcoins #forex #money #best #trading #bitcoinmining #invest #trader #cryptocurrencies #top #investing #entrepreneur #business #success #investment #finance #motivation #coinbase #stocks #wallstreet #investor #wealth #bullish #bearish #cryptolive #altcoindaily *********************************************************************** cryptocurrency, crypto, altcoin, altcoin daily, news, best investment, top altcoins, las mejores altcoins, ripple, la mejor inversion en cripto, best crypto investment, ethereum, xrp, crash, bottom, suelo, crash, price, precio, predicción, prediction, podcast, interview, entrevista,finanzas,finance, stock, investment, inversión, too late, demasiado tarde, bitcoin, cryptocurrency news, noticias de criptomonedas, bitcoin news, noticias de bitcoin, cryptocurrency news media online, noticias de criptomonedas online, defi, finanzas descentralizadas, ¿debería comprar bitcoin?, ¿debería comprar Ethereum?, bitcoin una buena inversión, la mejor inversión cripto, ethereum una buena inversión, ethereum a good investment, best crypto investments, predicción 2026, 2026 prediction, nfts, los mejores ntfs, best nfts, ¿debería comprar cardano?, should I buy cardano?, coin bureau, binance, coinbase, coffeezilla, predicción 2027, 2027 prediction, trump, etfs, bitcoin etf, etfs de bitcoin, dominancia de bitcoin

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How To Handle the Feeling of Never-Enough, Quiet the Comparing Mind, and Reduce Financial Anxiety | Morgan Housel

10% Happier with Dan Harris

Play Episode Listen Later Feb 23, 2026 71:03

A financial psychology expert on the science of contentment. Morgan Housel is the New York Times Bestselling author of The Psychology of Money and Same As Ever. He's a partner at The Collaborative Fund, serves on the board of directors at Markel and is host of The Morgan Housel Podcast. His new book is The Art of Spending Money: Simple Choices for a Richer Life. In this episode we talk about: What "irrational" spending habits really tell us How to manage money ambition with sanity How to use scarcity to your advantage A useful equation for finding contentment The key defense against envy How to minimize future regret Why young people should check their bank accounts more often How to talk to your kids about money How to disconnect self-worth from financial worth And more Related Episodes: The Psychology of Money | Morgan Housel Get the 10% with Dan Harris app here Sign up for Dan's free newsletter here Follow Dan on social: Instagram, TikTok Subscribe to our YouTube Channel To advertise on the show, contact sales@advertisecast.com or visit https://advertising.libsyn.com/10HappierwithDanHarris Thanks to our sponsors: Function Health: Visit functionhealth.com/happier and use the gift code HAPPIER25 for a $25 credit toward your membership. BetterHelp: Sign up and get 10% off at betterhelp.com/Happier.

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Flying Mom to the Colosseum, OCONUS Credit Cards Strategy, and the Second Mountain with Jared Mataitusi #217

The Military Money Manual Podcast

Play Episode Listen Later Feb 23, 2026 114:56

What if you could have SIX Chase Sapphire Reserve cards—each with zero annual fees—while maxing your TSP and living an incredible life of travel? Air Force Captain Jared Mataitusi reveals exactly how he and his wife stack premium credit cards, earn elite status, fly family to Europe for free, and still save aggressively toward financial independence. This is the ultimate military financial strategy you've been waiting for. Jared shares how he went from credit card float in college to managing 32 cards with his wife, earning six-figure travel benefits annually while maintaining a high savings rate. The conversation covers upgrading Freedom cards to multiple Sapphire Reserves, using deployment sprints to accelerate wealth, flying family overseas on points, TSP automation strategies, and how military service is a "cheat code" to financial independence when approached intentionally. Key Topics & Questions Covered Credit Card Strategy Building Wealth on Active Duty Travel & Lifestyle Military Life & Financial Independence Philosophy & Mindset Resources & Links Mentioned Jared's Content: The Military Miler Podcast https://militarymiler.com/ Military Travel Rewards https://militarytravelrewards.com/ Instagram: https://www.instagram.com/military_miler Credit Card Tools: Chase Sapphire Reserve & Freedom card upgrade strategy Amex Platinum multiple card strategy United Travel Bank for airline credits StubHub credit usage internationally Budgeting & Tracking: YNAB (You Need A Budget) https://www.ynab.com/ Monarch Money https://www.monarch.com/ Net worth tracking tools (Kubera, Google Sheets) https://www.kubera.com/ Books & Concepts: The Motivation Myth by Darren Hardy Die With Zero by Bill Perkins The Second Mountain by David Brooks Dave Ramsey's debt snowball method Morgan Housel on moving goalposts TSP & Investing: Military Money Manual TSP Course https://militarymoneymanual.com/tsp LADS Method: Low-cost, Automated, Diversified, Simple Financial Order of Operations (Military Version) Other Resources: Reddit Military Finance community https://www.reddit.com/r/MilitaryFinance/ Jesse Mecham (YNAB founder) on lifestyle creep Ramit Sethi: "No prize for living a smaller life" Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

EP1727 Special Formula ตลาดหุ้นที่ร่วงหล่นลงไปคือโอกาสของการลงทุน

Friendtalkative Podcast

Play Episode Listen Later Feb 23, 2026 10:31

ข้อความโพสต์จาก Morgan Housel ได้เขียนข้อความไว้ว่า "ทุกอดีตของตลาดที่ร่วงลงไป คล้ายกันกับโอกาสที่ดี และทุก ๆ อนาคตที่ลดต่ำลงไปก็คล้ายกันกับความเสี่ยงที่จะเกิดขึ้น" - อดีตคือโอกาส อนาคตคือความเสี่ยง แปลว่าวันนี้ของอนาคต คืออดีตทันที - การลงทุนคือความเสี่ยง หากเราไม่สามารถวัดมวลของระยะเวลาได้ - บางทีอาจจะแปลว่า เราควรจะต้องนึกถึงอนาคตให้มากที่สุด เพราะอนาคตเป็นสิ่งที่เราไม่รู้ว่าวันนี้จะเกิดอะไรขึ้น - แต่การมองย้อนกลับมา มันก็เหมือนตัวลวงเราว่า วันนั้นเราน่าจะลงทุนมากกว่านี้หรือว่าควรจะเข้าไปช้อนซื้อบ้างก็ยังดี - ทั้งนี้ เรื่องของเวลาเป็นเรื่องที่เราไม่สามารถจะกำหนดมันได้ อย่าลืมว่าเวลาเป็นอนันต์ไม่มีจุดเริ่มต้น หรือจุดจบที่แท้จริง

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LA LOCURA ARENCELARIA DE TRUMP

Crypto Mercados y Pymes

Play Episode Listen Later Feb 23, 2026 12:15

#bitcoin #btc #etf Enlaces de interés: - Enlace a mi primer libro "Mi exnovio es de la CIA": https://amzn.to/4iLt37j - Enlace sorteo token SOL y detalles token CMYP: https://www.cryptomercadosypymes.com/sorteo-del-token-cmyp/ - Enlace para suscribirte a la Newsletter de Crypto Mercados y Pymes: https://www.cryptomercadosypymes.com/ - Escríbeme a este mail si la suscripción a la newsletter o la Masterclass te da problemas: cryptomercadosypymes@gmail.com *********************************************************************** Conviértete en miembro de este canal para disfrutar de videos solo disponibles para miembros: https://www.youtube.com/channel/UC4DBbWZ3S16HxxgCLI5saAA/join *********************************************************************** Enlace de afiliación a la web de la billetera fría Ledger: https://shop.ledger.com/?r=96c89dbd786b *********************************************************************** Y este enlace de Amazon a varios libros muy recomendables: 1. "La filosofía de Bitcoin" de Álvaro D. María: https://amzn.to/3KiB5EE 2. ·"Imbatible. La fórmula para alcanzar la libertad financiera" de Tony Robbins: https://amzn.to/3yA003K 3. "Ten peor coche que tu vecino" de Luis Pita: https://amzn.to/3R2nQeR 4. "El sutil arte de que (casi todo) te importe una mi@rda" de Mark Manson : https://amzn.to/45aE4HZ 5. "La psicología del dinero. Cómo piensan los ricos". Morgan Housel: https://amzn.to/3WYj7Pi 6. "La medusa inmortal. Todo lo que hay que saber para vivir más años" de Nicklas Brendborg: https://amzn.to/4aDktSB 7. "El futuro de la humanidad". Michiu Kaku: https://amzn.to/3ysIPB2 *********************************************************************** Disclaimer: este video y su contenido son solo para fines informativos y no constituyen una oferta de venta o intercambio, una solicitud de compra o recomendación de ningún valor, criptomoneda o producto relacionado, ni constituye una oferta para proporcionar inversión asesoramiento u otros servicios relacionados por parte de Crypto Mercados y Pymes. Crypto Mercados y Pymes puede tener una inversión financiera con las criptomonedas discutidas en este video. Al preparar este video, NO se han tenido en cuenta las necesidades financieras o de inversión individuales del espectador ni se ofrece ningún consejo financiero o de inversión. Todas las opiniones expresadas en este video se prepararon en función de la información disponible en el momento en que se escribieron y/o publicaron dichas opiniones. Información modificada o adicional podría hacer que tales opiniones cambien. *********************************************************************** Crypto Mercados y Pymes, el mejor canal online sobre mercados financieros y criptomonedas: #bitcoin #cryptocurrency #news #btc #ethereum #eth #cryptocurrency #litecoin #altcoin #altcoins #forex #money #best #trading #bitcoinmining #invest #trader #cryptocurrencies #top #investing #entrepreneur #business #success #investment #finance #motivation #coinbase #stocks #wallstreet #investor #wealth #bullish #bearish #cryptolive #altcoindaily *********************************************************************** cryptocurrency, crypto, altcoin, altcoin daily, news, best investment, top altcoins, las mejores altcoins, ripple, la mejor inversion en cripto, best crypto investment, ethereum, xrp, crash, bottom, suelo, crash, price, precio, predicción, prediction, podcast, interview, entrevista,finanzas,finance, stock, investment, inversión, too late, demasiado tarde, bitcoin, cryptocurrency news, noticias de criptomonedas, bitcoin news, noticias de bitcoin, cryptocurrency news media online, noticias de criptomonedas online, defi, finanzas descentralizadas, ¿debería comprar bitcoin?, ¿debería comprar Ethereum?, bitcoin una buena inversión, la mejor inversión cripto, ethereum una buena inversión, ethereum a good investment, best crypto investments, predicción 2026, 2026 prediction, nfts, los mejores ntfs, best nfts, ¿debería comprar cardano?, should I buy cardano?, coin bureau, binance, coinbase, coffeezilla, predicción 2027, 2027 prediction, trump, etfs, bitcoin etf, etfs de bitcoin, dominancia de bitcoin

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ESTO VA A CONDICIONAR TODA LA SEMANA

Crypto Mercados y Pymes

Play Episode Listen Later Feb 22, 2026 13:00

#bitcoin #btc #etf Enlaces de interés: - Enlace a mi primer libro "Mi exnovio es de la CIA": https://amzn.to/4iLt37j - Enlace sorteo token SOL y detalles token CMYP: https://www.cryptomercadosypymes.com/sorteo-del-token-cmyp/ - Enlace para suscribirte a la Newsletter de Crypto Mercados y Pymes: https://www.cryptomercadosypymes.com/ - Escríbeme a este mail si la suscripción a la newsletter o la Masterclass te da problemas: cryptomercadosypymes@gmail.com *********************************************************************** Conviértete en miembro de este canal para disfrutar de videos solo disponibles para miembros: https://www.youtube.com/channel/UC4DBbWZ3S16HxxgCLI5saAA/join *********************************************************************** Enlace de afiliación a la web de la billetera fría Ledger: https://shop.ledger.com/?r=96c89dbd786b *********************************************************************** Y este enlace de Amazon a varios libros muy recomendables: 1. "La filosofía de Bitcoin" de Álvaro D. María: https://amzn.to/3KiB5EE 2. ·"Imbatible. La fórmula para alcanzar la libertad financiera" de Tony Robbins: https://amzn.to/3yA003K 3. "Ten peor coche que tu vecino" de Luis Pita: https://amzn.to/3R2nQeR 4. "El sutil arte de que (casi todo) te importe una mi@rda" de Mark Manson : https://amzn.to/45aE4HZ 5. "La psicología del dinero. Cómo piensan los ricos". Morgan Housel: https://amzn.to/3WYj7Pi 6. "La medusa inmortal. Todo lo que hay que saber para vivir más años" de Nicklas Brendborg: https://amzn.to/4aDktSB 7. "El futuro de la humanidad". Michiu Kaku: https://amzn.to/3ysIPB2 *********************************************************************** Disclaimer: este video y su contenido son solo para fines informativos y no constituyen una oferta de venta o intercambio, una solicitud de compra o recomendación de ningún valor, criptomoneda o producto relacionado, ni constituye una oferta para proporcionar inversión asesoramiento u otros servicios relacionados por parte de Crypto Mercados y Pymes. Crypto Mercados y Pymes puede tener una inversión financiera con las criptomonedas discutidas en este video. Al preparar este video, NO se han tenido en cuenta las necesidades financieras o de inversión individuales del espectador ni se ofrece ningún consejo financiero o de inversión. Todas las opiniones expresadas en este video se prepararon en función de la información disponible en el momento en que se escribieron y/o publicaron dichas opiniones. Información modificada o adicional podría hacer que tales opiniones cambien. *********************************************************************** Crypto Mercados y Pymes, el mejor canal online sobre mercados financieros y criptomonedas: #bitcoin #cryptocurrency #news #btc #ethereum #eth #cryptocurrency #litecoin #altcoin #altcoins #forex #money #best #trading #bitcoinmining #invest #trader #cryptocurrencies #top #investing #entrepreneur #business #success #investment #finance #motivation #coinbase #stocks #wallstreet #investor #wealth #bullish #bearish #cryptolive #altcoindaily *********************************************************************** cryptocurrency, crypto, altcoin, altcoin daily, news, best investment, top altcoins, las mejores altcoins, ripple, la mejor inversion en cripto, best crypto investment, ethereum, xrp, crash, bottom, suelo, crash, price, precio, predicción, prediction, podcast, interview, entrevista,finanzas,finance, stock, investment, inversión, too late, demasiado tarde, bitcoin, cryptocurrency news, noticias de criptomonedas, bitcoin news, noticias de bitcoin, cryptocurrency news media online, noticias de criptomonedas online, defi, finanzas descentralizadas, ¿debería comprar bitcoin?, ¿debería comprar Ethereum?, bitcoin una buena inversión, la mejor inversión cripto, ethereum una buena inversión, ethereum a good investment, best crypto investments, predicción 2026, 2026 prediction, nfts, los mejores ntfs, best nfts, ¿debería comprar cardano?, should I buy cardano?, coin bureau, binance, coinbase, coffeezilla, predicción 2027, 2027 prediction, trump, etfs, bitcoin etf, etfs de bitcoin, dominancia de bitcoin

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La NOTICIA de la semana es esta

Crypto Mercados y Pymes

Play Episode Listen Later Feb 21, 2026 11:10

#bitcoin #btc #etf Enlaces de interés: - Enlace a mi primer libro "Mi exnovio es de la CIA": https://amzn.to/4iLt37j - Enlace sorteo token SOL y detalles token CMYP: https://www.cryptomercadosypymes.com/sorteo-del-token-cmyp/ - Enlace para suscribirte a la Newsletter de Crypto Mercados y Pymes: https://www.cryptomercadosypymes.com/ - Escríbeme a este mail si la suscripción a la newsletter o la Masterclass te da problemas: cryptomercadosypymes@gmail.com *********************************************************************** Conviértete en miembro de este canal para disfrutar de videos solo disponibles para miembros: https://www.youtube.com/channel/UC4DBbWZ3S16HxxgCLI5saAA/join *********************************************************************** Enlace de afiliación a la web de la billetera fría Ledger: https://shop.ledger.com/?r=96c89dbd786b *********************************************************************** Y este enlace de Amazon a varios libros muy recomendables: 1. "La filosofía de Bitcoin" de Álvaro D. María: https://amzn.to/3KiB5EE 2. ·"Imbatible. La fórmula para alcanzar la libertad financiera" de Tony Robbins: https://amzn.to/3yA003K 3. "Ten peor coche que tu vecino" de Luis Pita: https://amzn.to/3R2nQeR 4. "El sutil arte de que (casi todo) te importe una mi@rda" de Mark Manson : https://amzn.to/45aE4HZ 5. "La psicología del dinero. Cómo piensan los ricos". Morgan Housel: https://amzn.to/3WYj7Pi 6. "La medusa inmortal. Todo lo que hay que saber para vivir más años" de Nicklas Brendborg: https://amzn.to/4aDktSB 7. "El futuro de la humanidad". Michiu Kaku: https://amzn.to/3ysIPB2 *********************************************************************** Disclaimer: este video y su contenido son solo para fines informativos y no constituyen una oferta de venta o intercambio, una solicitud de compra o recomendación de ningún valor, criptomoneda o producto relacionado, ni constituye una oferta para proporcionar inversión asesoramiento u otros servicios relacionados por parte de Crypto Mercados y Pymes. Crypto Mercados y Pymes puede tener una inversión financiera con las criptomonedas discutidas en este video. Al preparar este video, NO se han tenido en cuenta las necesidades financieras o de inversión individuales del espectador ni se ofrece ningún consejo financiero o de inversión. Todas las opiniones expresadas en este video se prepararon en función de la información disponible en el momento en que se escribieron y/o publicaron dichas opiniones. Información modificada o adicional podría hacer que tales opiniones cambien. *********************************************************************** Crypto Mercados y Pymes, el mejor canal online sobre mercados financieros y criptomonedas: #bitcoin #cryptocurrency #news #btc #ethereum #eth #cryptocurrency #litecoin #altcoin #altcoins #forex #money #best #trading #bitcoinmining #invest #trader #cryptocurrencies #top #investing #entrepreneur #business #success #investment #finance #motivation #coinbase #stocks #wallstreet #investor #wealth #bullish #bearish #cryptolive #altcoindaily *********************************************************************** cryptocurrency, crypto, altcoin, altcoin daily, news, best investment, top altcoins, las mejores altcoins, ripple, la mejor inversion en cripto, best crypto investment, ethereum, xrp, crash, bottom, suelo, crash, price, precio, predicción, prediction, podcast, interview, entrevista,finanzas,finance, stock, investment, inversión, too late, demasiado tarde, bitcoin, cryptocurrency news, noticias de criptomonedas, bitcoin news, noticias de bitcoin, cryptocurrency news media online, noticias de criptomonedas online, defi, finanzas descentralizadas, ¿debería comprar bitcoin?, ¿debería comprar Ethereum?, bitcoin una buena inversión, la mejor inversión cripto, ethereum una buena inversión, ethereum a good investment, best crypto investments, predicción 2026, 2026 prediction, nfts, los mejores ntfs, best nfts, ¿debería comprar cardano?, should I buy cardano?, coin bureau, binance, coinbase, coffeezilla, predicción 2027, 2027 prediction, trump, etfs, bitcoin etf, etfs de bitcoin, dominancia de bitcoin

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ATENCIÓN El MERCADO NO VIO VENIR ESTO: SORPRESA TRIPLE

Crypto Mercados y Pymes

Play Episode Listen Later Feb 20, 2026 13:21

#bitcoin #btc #etf Enlaces de interés: - Enlace a mi primer libro "Mi exnovio es de la CIA": https://amzn.to/4iLt37j - Enlace sorteo token SOL y detalles token CMYP: https://www.cryptomercadosypymes.com/sorteo-del-token-cmyp/ - Enlace para suscribirte a la Newsletter de Crypto Mercados y Pymes: https://www.cryptomercadosypymes.com/ - Escríbeme a este mail si la suscripción a la newsletter o la Masterclass te da problemas: cryptomercadosypymes@gmail.com *********************************************************************** Conviértete en miembro de este canal para disfrutar de videos solo disponibles para miembros: https://www.youtube.com/channel/UC4DBbWZ3S16HxxgCLI5saAA/join *********************************************************************** Enlace de afiliación a la web de la billetera fría Ledger: https://shop.ledger.com/?r=96c89dbd786b *********************************************************************** Y este enlace de Amazon a varios libros muy recomendables: 1. "La filosofía de Bitcoin" de Álvaro D. María: https://amzn.to/3KiB5EE 2. ·"Imbatible. La fórmula para alcanzar la libertad financiera" de Tony Robbins: https://amzn.to/3yA003K 3. "Ten peor coche que tu vecino" de Luis Pita: https://amzn.to/3R2nQeR 4. "El sutil arte de que (casi todo) te importe una mi@rda" de Mark Manson : https://amzn.to/45aE4HZ 5. "La psicología del dinero. Cómo piensan los ricos". Morgan Housel: https://amzn.to/3WYj7Pi 6. "La medusa inmortal. Todo lo que hay que saber para vivir más años" de Nicklas Brendborg: https://amzn.to/4aDktSB 7. "El futuro de la humanidad". Michiu Kaku: https://amzn.to/3ysIPB2 *********************************************************************** Disclaimer: este video y su contenido son solo para fines informativos y no constituyen una oferta de venta o intercambio, una solicitud de compra o recomendación de ningún valor, criptomoneda o producto relacionado, ni constituye una oferta para proporcionar inversión asesoramiento u otros servicios relacionados por parte de Crypto Mercados y Pymes. Crypto Mercados y Pymes puede tener una inversión financiera con las criptomonedas discutidas en este video. Al preparar este video, NO se han tenido en cuenta las necesidades financieras o de inversión individuales del espectador ni se ofrece ningún consejo financiero o de inversión. Todas las opiniones expresadas en este video se prepararon en función de la información disponible en el momento en que se escribieron y/o publicaron dichas opiniones. Información modificada o adicional podría hacer que tales opiniones cambien. *********************************************************************** Crypto Mercados y Pymes, el mejor canal online sobre mercados financieros y criptomonedas: #bitcoin #cryptocurrency #news #btc #ethereum #eth #cryptocurrency #litecoin #altcoin #altcoins #forex #money #best #trading #bitcoinmining #invest #trader #cryptocurrencies #top #investing #entrepreneur #business #success #investment #finance #motivation #coinbase #stocks #wallstreet #investor #wealth #bullish #bearish #cryptolive #altcoindaily *********************************************************************** cryptocurrency, crypto, altcoin, altcoin daily, news, best investment, top altcoins, las mejores altcoins, ripple, la mejor inversion en cripto, best crypto investment, ethereum, xrp, crash, bottom, suelo, crash, price, precio, predicción, prediction, podcast, interview, entrevista,finanzas,finance, stock, investment, inversión, too late, demasiado tarde, bitcoin, cryptocurrency news, noticias de criptomonedas, bitcoin news, noticias de bitcoin, cryptocurrency news media online, noticias de criptomonedas online, defi, finanzas descentralizadas, ¿debería comprar bitcoin?, ¿debería comprar Ethereum?, bitcoin una buena inversión, la mejor inversión cripto, ethereum una buena inversión, ethereum a good investment, best crypto investments, predicción 2026, 2026 prediction, nfts, los mejores ntfs, best nfts, ¿debería comprar cardano?, should I buy cardano?, coin bureau, binance, coinbase, coffeezilla, predicción 2027, 2027 prediction, trump, etfs, bitcoin etf, etfs de bitcoin, dominancia de bitcoin

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Inversión Inmobiliaria: Cómo Invertir en Inmuebles en España (con poco dinero) | SodaCrowd

Territorio Inversor

Play Episode Listen Later Feb 19, 2026 78:33

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SORPRENDEN las MINUTAS de la FED

Crypto Mercados y Pymes

Play Episode Listen Later Feb 18, 2026 13:50

#bitcoin #btc #etf Enlaces de interés: - Enlace a mi primer libro "Mi exnovio es de la CIA": https://amzn.to/4iLt37j - Enlace sorteo token SOL y detalles token CMYP: https://www.cryptomercadosypymes.com/sorteo-del-token-cmyp/ - Enlace para suscribirte a la Newsletter de Crypto Mercados y Pymes: https://www.cryptomercadosypymes.com/ - Escríbeme a este mail si la suscripción a la newsletter o la Masterclass te da problemas: cryptomercadosypymes@gmail.com *********************************************************************** Conviértete en miembro de este canal para disfrutar de videos solo disponibles para miembros: https://www.youtube.com/channel/UC4DBbWZ3S16HxxgCLI5saAA/join *********************************************************************** Enlace de afiliación a la web de la billetera fría Ledger: https://shop.ledger.com/?r=96c89dbd786b *********************************************************************** Y este enlace de Amazon a varios libros muy recomendables: 1. "La filosofía de Bitcoin" de Álvaro D. María: https://amzn.to/3KiB5EE 2. ·"Imbatible. La fórmula para alcanzar la libertad financiera" de Tony Robbins: https://amzn.to/3yA003K 3. "Ten peor coche que tu vecino" de Luis Pita: https://amzn.to/3R2nQeR 4. "El sutil arte de que (casi todo) te importe una mi@rda" de Mark Manson : https://amzn.to/45aE4HZ 5. "La psicología del dinero. Cómo piensan los ricos". Morgan Housel: https://amzn.to/3WYj7Pi 6. "La medusa inmortal. Todo lo que hay que saber para vivir más años" de Nicklas Brendborg: https://amzn.to/4aDktSB 7. "El futuro de la humanidad". Michiu Kaku: https://amzn.to/3ysIPB2 *********************************************************************** Disclaimer: este video y su contenido son solo para fines informativos y no constituyen una oferta de venta o intercambio, una solicitud de compra o recomendación de ningún valor, criptomoneda o producto relacionado, ni constituye una oferta para proporcionar inversión asesoramiento u otros servicios relacionados por parte de Crypto Mercados y Pymes. Crypto Mercados y Pymes puede tener una inversión financiera con las criptomonedas discutidas en este video. Al preparar este video, NO se han tenido en cuenta las necesidades financieras o de inversión individuales del espectador ni se ofrece ningún consejo financiero o de inversión. Todas las opiniones expresadas en este video se prepararon en función de la información disponible en el momento en que se escribieron y/o publicaron dichas opiniones. Información modificada o adicional podría hacer que tales opiniones cambien. *********************************************************************** Crypto Mercados y Pymes, el mejor canal online sobre mercados financieros y criptomonedas: #bitcoin #cryptocurrency #news #btc #ethereum #eth #cryptocurrency #litecoin #altcoin #altcoins #forex #money #best #trading #bitcoinmining #invest #trader #cryptocurrencies #top #investing #entrepreneur #business #success #investment #finance #motivation #coinbase #stocks #wallstreet #investor #wealth #bullish #bearish #cryptolive #altcoindaily *********************************************************************** cryptocurrency, crypto, altcoin, altcoin daily, news, best investment, top altcoins, las mejores altcoins, ripple, la mejor inversion en cripto, best crypto investment, ethereum, xrp, crash, bottom, suelo, crash, price, precio, predicción, prediction, podcast, interview, entrevista,finanzas,finance, stock, investment, inversión, too late, demasiado tarde, bitcoin, cryptocurrency news, noticias de criptomonedas, bitcoin news, noticias de bitcoin, cryptocurrency news media online, noticias de criptomonedas online, defi, finanzas descentralizadas, ¿debería comprar bitcoin?, ¿debería comprar Ethereum?, bitcoin una buena inversión, la mejor inversión cripto, ethereum una buena inversión, ethereum a good investment, best crypto investments, predicción 2026, 2026 prediction, nfts, los mejores ntfs, best nfts, ¿debería comprar cardano?, should I buy cardano?, coin bureau, binance, coinbase, coffeezilla, predicción 2027, 2027 prediction, trump, etfs, bitcoin etf, etfs de bitcoin, dominancia de bitcoin

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143. Morgan Housel - Essays on Human Nature, Failing Well, and Timeless Lessons

The Chasing Greatness Podcast

Play Episode Listen Later Feb 17, 2026 45:18

Diving into some of the very best ideas from one of my favorite writers and thinkers, Morgan Housel.-----"People can be led to believe and defend almost anything, because the goal of a belief is often not to discover what's true – it's to justify past actions, or protect your reputation, or provide hope when it's lacking, or to maximize your income, or to signal to others that you belong to the tribe."- Morgan Housel-----Sources/Essays are linked in the time stamps below1:15 - Why You Beleive What You Do14:21 - The Power of Failing Well 18:40 - The Freakisly Strong Base26:25 - You Have To Live It To Believe It 36:07 - How it All Works (Short Stories on Big Things)42:00 - Little Rules About Big Things-----Check out my books below.Daily Greatness: Short Stories and Essays on the Act of Becoming Chasing Greatness 2nd Edition - Timeless Stories on the Pursuit of Excellence-----You can check stay connected and support below:WebsiteBooksInstagramXLinkedIn

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Así MANIPULAN el mercado los grandes, y lo están haciendo JUSTO AHORA

Crypto Mercados y Pymes

Play Episode Listen Later Feb 17, 2026 16:07

#bitcoin #btc #etf Enlaces de interés: - Enlace a mi primer libro "Mi exnovio es de la CIA": https://amzn.to/4iLt37j - Enlace sorteo token SOL y detalles token CMYP: https://www.cryptomercadosypymes.com/sorteo-del-token-cmyp/ - Enlace para suscribirte a la Newsletter de Crypto Mercados y Pymes: https://www.cryptomercadosypymes.com/ - Escríbeme a este mail si la suscripción a la newsletter o la Masterclass te da problemas: cryptomercadosypymes@gmail.com *********************************************************************** Conviértete en miembro de este canal para disfrutar de videos solo disponibles para miembros: https://www.youtube.com/channel/UC4DBbWZ3S16HxxgCLI5saAA/join *********************************************************************** Enlace de afiliación a la web de la billetera fría Ledger: https://shop.ledger.com/?r=96c89dbd786b *********************************************************************** Y este enlace de Amazon a varios libros muy recomendables: 1. "La filosofía de Bitcoin" de Álvaro D. María: https://amzn.to/3KiB5EE 2. ·"Imbatible. La fórmula para alcanzar la libertad financiera" de Tony Robbins: https://amzn.to/3yA003K 3. "Ten peor coche que tu vecino" de Luis Pita: https://amzn.to/3R2nQeR 4. "El sutil arte de que (casi todo) te importe una mi@rda" de Mark Manson : https://amzn.to/45aE4HZ 5. "La psicología del dinero. Cómo piensan los ricos". Morgan Housel: https://amzn.to/3WYj7Pi 6. "La medusa inmortal. Todo lo que hay que saber para vivir más años" de Nicklas Brendborg: https://amzn.to/4aDktSB 7. "El futuro de la humanidad". Michiu Kaku: https://amzn.to/3ysIPB2 *********************************************************************** Disclaimer: este video y su contenido son solo para fines informativos y no constituyen una oferta de venta o intercambio, una solicitud de compra o recomendación de ningún valor, criptomoneda o producto relacionado, ni constituye una oferta para proporcionar inversión asesoramiento u otros servicios relacionados por parte de Crypto Mercados y Pymes. Crypto Mercados y Pymes puede tener una inversión financiera con las criptomonedas discutidas en este video. Al preparar este video, NO se han tenido en cuenta las necesidades financieras o de inversión individuales del espectador ni se ofrece ningún consejo financiero o de inversión. Todas las opiniones expresadas en este video se prepararon en función de la información disponible en el momento en que se escribieron y/o publicaron dichas opiniones. Información modificada o adicional podría hacer que tales opiniones cambien. *********************************************************************** Crypto Mercados y Pymes, el mejor canal online sobre mercados financieros y criptomonedas: #bitcoin #cryptocurrency #news #btc #ethereum #eth #cryptocurrency #litecoin #altcoin #altcoins #forex #money #best #trading #bitcoinmining #invest #trader #cryptocurrencies #top #investing #entrepreneur #business #success #investment #finance #motivation #coinbase #stocks #wallstreet #investor #wealth #bullish #bearish #cryptolive #altcoindaily *********************************************************************** cryptocurrency, crypto, altcoin, altcoin daily, news, best investment, top altcoins, las mejores altcoins, ripple, la mejor inversion en cripto, best crypto investment, ethereum, xrp, crash, bottom, suelo, crash, price, precio, predicción, prediction, podcast, interview, entrevista,finanzas,finance, stock, investment, inversión, too late, demasiado tarde, bitcoin, cryptocurrency news, noticias de criptomonedas, bitcoin news, noticias de bitcoin, cryptocurrency news media online, noticias de criptomonedas online, defi, finanzas descentralizadas, ¿debería comprar bitcoin?, ¿debería comprar Ethereum?, bitcoin una buena inversión, la mejor inversión cripto, ethereum una buena inversión, ethereum a good investment, best crypto investments, predicción 2026, 2026 prediction, nfts, los mejores ntfs, best nfts, ¿debería comprar cardano?, should I buy cardano?, coin bureau, binance, coinbase, coffeezilla, predicción 2027, 2027 prediction, trump, etfs, bitcoin etf, etfs de bitcoin, dominancia de bitcoin

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Episode 301 - Bitcoin ist wertlos! Arrogant oder unwissend? – Buchbesprechung: Geld bewusst einsetzen

Bitcoin verstehen

Play Episode Listen Later Feb 15, 2026 65:40

In dieser Folge sprechen wir über das Buch „Über die Kunst, Geld bewusst einzusetzen“ von Morgan Housel. Warum lässt sich mit genügend Informationen jedes Verhalten erklären? Geht es uns beim Konsum wirklich um Nutzen – oder doch eher um Prestige? Und ist es arrogant Bitcoin als wertlos zu bezeichnen? Außerdem sprechen wir über Risiko, Reue und die Frage, warum Reichtum ohne Unabhängigkeit eine besondere Form der Armut darstellt. Ebenso müssen wir uns einer unbequemen Frage stellen: Hat Bitcoin vielleicht sogar unsere Identität gekapert?

ATENCIÓN ¡ SAYLOR se prepara para un BITCOIN A $ 8.000 !

Crypto Mercados y Pymes

Play Episode Listen Later Feb 15, 2026 11:25

#bitcoin #btc #etf Enlaces de interés: - Enlace a mi primer libro "Mi exnovio es de la CIA": https://amzn.to/4iLt37j - Enlace sorteo token SOL y detalles token CMYP: https://www.cryptomercadosypymes.com/sorteo-del-token-cmyp/ - Enlace para suscribirte a la Newsletter de Crypto Mercados y Pymes: https://www.cryptomercadosypymes.com/ - Escríbeme a este mail si la suscripción a la newsletter o la Masterclass te da problemas: cryptomercadosypymes@gmail.com *********************************************************************** Conviértete en miembro de este canal para disfrutar de videos solo disponibles para miembros: https://www.youtube.com/channel/UC4DBbWZ3S16HxxgCLI5saAA/join *********************************************************************** Enlace de afiliación a la web de la billetera fría Ledger: https://shop.ledger.com/?r=96c89dbd786b *********************************************************************** Y este enlace de Amazon a varios libros muy recomendables: 1. "La filosofía de Bitcoin" de Álvaro D. María: https://amzn.to/3KiB5EE 2. ·"Imbatible. La fórmula para alcanzar la libertad financiera" de Tony Robbins: https://amzn.to/3yA003K 3. "Ten peor coche que tu vecino" de Luis Pita: https://amzn.to/3R2nQeR 4. "El sutil arte de que (casi todo) te importe una mi@rda" de Mark Manson : https://amzn.to/45aE4HZ 5. "La psicología del dinero. Cómo piensan los ricos". Morgan Housel: https://amzn.to/3WYj7Pi 6. "La medusa inmortal. Todo lo que hay que saber para vivir más años" de Nicklas Brendborg: https://amzn.to/4aDktSB 7. "El futuro de la humanidad". Michiu Kaku: https://amzn.to/3ysIPB2 *********************************************************************** Disclaimer: este video y su contenido son solo para fines informativos y no constituyen una oferta de venta o intercambio, una solicitud de compra o recomendación de ningún valor, criptomoneda o producto relacionado, ni constituye una oferta para proporcionar inversión asesoramiento u otros servicios relacionados por parte de Crypto Mercados y Pymes. Crypto Mercados y Pymes puede tener una inversión financiera con las criptomonedas discutidas en este video. Al preparar este video, NO se han tenido en cuenta las necesidades financieras o de inversión individuales del espectador ni se ofrece ningún consejo financiero o de inversión. Todas las opiniones expresadas en este video se prepararon en función de la información disponible en el momento en que se escribieron y/o publicaron dichas opiniones. Información modificada o adicional podría hacer que tales opiniones cambien. *********************************************************************** Crypto Mercados y Pymes, el mejor canal online sobre mercados financieros y criptomonedas: #bitcoin #cryptocurrency #news #btc #ethereum #eth #cryptocurrency #litecoin #altcoin #altcoins #forex #money #best #trading #bitcoinmining #invest #trader #cryptocurrencies #top #investing #entrepreneur #business #success #investment #finance #motivation #coinbase #stocks #wallstreet #investor #wealth #bullish #bearish #cryptolive #altcoindaily *********************************************************************** cryptocurrency, crypto, altcoin, altcoin daily, news, best investment, top altcoins, las mejores altcoins, ripple, la mejor inversion en cripto, best crypto investment, ethereum, xrp, crash, bottom, suelo, crash, price, precio, predicción, prediction, podcast, interview, entrevista,finanzas,finance, stock, investment, inversión, too late, demasiado tarde, bitcoin, cryptocurrency news, noticias de criptomonedas, bitcoin news, noticias de bitcoin, cryptocurrency news media online, noticias de criptomonedas online, defi, finanzas descentralizadas, ¿debería comprar bitcoin?, ¿debería comprar Ethereum?, bitcoin una buena inversión, la mejor inversión cripto, ethereum una buena inversión, ethereum a good investment, best crypto investments, predicción 2026, 2026 prediction, nfts, los mejores ntfs, best nfts, ¿debería comprar cardano?, should I buy cardano?, coin bureau, binance, coinbase, coffeezilla, predicción 2027, 2027 prediction, trump, etfs, bitcoin etf, etfs de bitcoin, dominancia de bitcoin

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The Art of Spending

Capitalize Your Fridays!

Play Episode Listen Later Feb 6, 2026 39:22

In this episode of Capitalize Your Fridays, Taylor Dennis and Mike Williams explore The Art of Spending Money by Morgan Housel and challenge the idea that financial success is only about saving and investing. They discuss how spending well is a skill, how to distinguish real wealth from visible consumption, and why defining “enough” can be a financial superpower. The conversation dives into when spending supports freedom and reduces stress versus when it quietly erodes it. Listeners will walk away with a more thoughtful framework for aligning their spending with their values, priorities, and long-term goals.

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#1055 - Morgan Housel - Mastering the Art of Spending Money

Modern Wisdom

Play Episode Listen Later Feb 5, 2026 120:39

Morgan Housel is a partner at The Collaborative Fund, an investor and an author. Why is spending money well a skill most people never learn? In a world obsessed with saving, why does saying “it's okay to spend” still feel taboo? What can high performers teach us about investing not just money, but time, energy, and attention wisely? Expect to learn why it's important to talk about how to spend money well when learning about personal finance, why good financial ideas struggle to spread while bad ones travel effortlessly, what Morgan's definition of success is, how much modern dissatisfaction comes from comparing ourselves to people we don't actually want to be like, the real relationship between money and happiness with nuance, why it's so hard to find people who have managed to be wealthy, successful, happy and peaceful and much more… Sponsors: See discounts for all the products I use and recommend: ⁠https://chriswillx.com/deals⁠ Get a Free Sample Pack of LMNT's most popular flavours with your first purchase at https://drinklmnt.com/modernwisdom Get up to $350 off the Pod 5 at https://eightsleep.com/modernwisdom Get 35% off your first subscription on the best supplements from Momentous at https://livemomentous.com/modernwisdom New pricing since recording: Function is now just $365, plus get $25 off at https://functionhealth.com/modernwisdom Extra Stuff: Get my free reading list of 100 books to read before you die: ⁠https://chriswillx.com/books⁠ Try my productivity energy drink Neutonic: ⁠https://neutonic.com/modernwisdom⁠ Episodes You Might Enjoy: #577 - David Goggins - This Is How To Master Your Life: ⁠https://tinyurl.com/43hv6y59⁠ #712 - Dr Jordan Peterson - How To Destroy Your Negative Beliefs: ⁠https://tinyurl.com/2rtz7avf⁠ #700 - Dr Andrew Huberman - The Secret Tools To Hack Your Brain: ⁠https://tinyurl.com/3ccn5vkp⁠ - Get In Touch: Instagram: ⁠https://www.instagram.com/chriswillx⁠ Twitter: ⁠https://www.twitter.com/chriswillx⁠ YouTube: ⁠https://www.youtube.com/modernwisdompodcast⁠ Email: ⁠https://chriswillx.com/contact⁠ - Learn more about your ad choices. Visit megaphone.fm/adchoices

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EE475: Founder Finance 101: The Simple Money System Founders Actually Need with Diarmuid Corcoran

The Entrepreneur Experiment

Play Episode Listen Later Feb 5, 2026 85:48

In this brand-new Masterclass Special, Gary Fox sits down with Diarmuid Corcoran of Chartered Capital to unpack the money questions Irish founders avoid - until it's too late. They talk openly about why money can still feel like a “dirty word” in Ireland, why founders can be brilliant at making money but hesitant to manage it, and how wealth often compounds simply because of maths. Diarmuid breaks down the core principles of long-term investing (without the hype), the psychology that causes people to panic at the wrong time, and the practical founder moves that build real security - like taking a salary, using pensions properly, and keeping “fun investing” firmly contained. If you've ever said “I'll start later,” “I'll wait for the markets to settle,” or “my business is my pension,” this episode is the reset. Important note This episode is education and perspective - not personalised financial advice. Always do your own due diligence and speak to a qualified advisor/accountant for your circumstances. Show notes What you'll learn Why the “rich get richer” is often compounding in action Why Ireland has a unique relationship with money (scarcity mindset + property-first thinking) The hidden risk of “safe” cash: inflation eroding purchasing power Time in the market vs timing the market (and why “waiting” usually backfires) The psychology behind bad money decisions: recency bias, fear headlines, and the Dunning–Kruger effect “Set-and-forget” investing, and why boring usually wins The founder dilemma: all eggs in the business and no personal de-risking plan Pensions: why they can be tax-efficient, protective, and misunderstood The “de-risking” concept approaching retirement (and the 2008 lesson) A simple way to start investing regularly (and remove emotion from the process) The “playpen” rule: keeping speculative investing (stocks/crypto/startups) to a small % Founder mistakes Diarmuid sees constantly: Not taking a salary early Not paying a spouse/partner (where relevant) Being far too cautious in long-term pension funds Missing employer pension matching More about Chartered Capital: Chartered Capital Initial Query Form (https://bit.ly/4a89Mcp) for people who want to get in touch. When people fill this out, Chartered Capital will reach out to them afterwards to arrange a meeting. They also circulate a monthly newsletter that generally only consists only of good news and isn't ever in any way technical: Newsletter link (https://crafty-innovator-3012.kit.com/57ab7f6ffd) Link to Blogs on Chartered Capital website (https://charteredcapital.ie/insights/blogs-and-news/) Chartered Capital Website (https://bit.ly/charcap) This is a super video on Robert Cialdini's work for those who don't have time to read the full book = Science of persuasion - Robert Cialdini (https://youtu.be/cFdCzN7RYbw) The Financial Planners Ireland website: https://fpireland.ie/ Our Sponsors: Nostra: https://bit.ly/nostra26 Azure: https://bit.ly/azure26 Rory's Travel Club: https://bit.ly/rorys26 Chartered Capital: https://bit.ly/49ZuFrk Book Recommendations General Psychology = Influence – The Psychology of Persuasion (https://amzn.to/4bB6q4c) by Robert Cialdini and The 48 Laws of Power (https://amzn.to/49XcBON)by Robert Greene. Running a business = Traction (https://amzn.to/4qgiJGM) and Rocket Fuel (https://amzn.to/3ZdOqWa) by Gino Wickman. Personal Finance = The Psychology of Money (https://amzn.to/4rosi7w) by Morgan Housel.

Invertir en la Bolsa de Valores de Caracas en 2026

Tertulia y Dinero

Play Episode Listen Later Feb 1, 2026 40:41

¿La Bolsa de Valores de Caracas (BVC) subió un 170% en apenas cinco días?. Sí, ocurrió, pero antes de que salgas a "romper el cochinito" para invertir todos tus ahorros, es vital entender qué hay detrás de estos números.En este episodio de Tertulia y Dinero, Jose Miguel Farías y Jesús León desglosan la reciente efervescencia del mercado bursátil venezolano. ¿Estamos ante un cambio estructural o es simplemente el efecto de más bolívares persiguiendo los mismos activos de siempre?.Lo que aprenderás en este capítulo: El factor inflación: Cómo la distorsión monetaria convierte a la bolsa en un mecanismo de refugio más que de inversión a largo plazo. Shock político y narrativas: ¿Por qué un cambio de guion político dispara los precios en un mercado con tan poca profundidad?. La verdad sobre el ETF de Venezuela: Jose Miguel analiza el prospecto introducido ante la SEC y aclara si realmente este fondo comprará acciones en Caracas (Spoiler: no es lo que parece). Checklist para el inversionista: 5 preguntas que debes hacerte antes de comprar cualquier acción, en Venezuela o en el mundo. "Invertir en bolsa no es comprar un ticker, es comprar una empresa. Y en Venezuela, eso implica leer estados financieros y entender riesgos regulatorios".Libro recomendado: The Art of Spending Money (El arte de gastar dinero) de Morgan Housel, disponible con nuestros amigos de Mentes Curiosas.Análisis del ETF: El hilo de X (Twitter) de Jose Miguel Farías sobre el prospecto de la SEC.Ver hilo en X✉️ Gracias a nuestros aliados: Banplus: Web | Instagram Kontigo: Web | Instagram Mentes Curiosas: Web | InstagramNuestras redes:Instagram | TikTokSigue a los hosts: José Miguel Farías: IG | LI | X Asdrúbal Oliveros: IG | LI | X Jesus Leonett: IG | LI | X

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How To Get Rich vs. Stay Rich (The Psychology of Money Summary by Morgan Housel') | Book Review

Stuck in The Middle Podcast

Play Episode Listen Later Jan 31, 2026 85:07

Why a janitor can beat a Harvard MBA at investing, and why "enough" is the hardest financial skill to master.In this episode, we dive into Morgan Housel's The Psychology of Money. Most people think financial success is about math, formulas, and IQ. But as Housel explains, doing well with money has little to do with how smart you are and a lot to do with how you behave.We explore the incredible story of Ronald Read, a janitor who amassed an $8 million fortune, and compare him to Richard Fuscone, a Merrill Lynch executive who went bankrupt because he couldn't control his greed.Key Lessons Covered:• Luck & Risk: Why Bill Gates and his friend Kent Evans are two sides of the same coin.• The Man in the Car Paradox: Why no one is impressed with your Ferrari as much as you are.• Wealth is What You Don't See: The difference between being "Rich" (spending) and "Wealthy" (not spending).• The Power of Compounding: How Warren Buffett accumulated $81.5 billion after he qualified for Social Security.• Freedom: Why control over your time is the highest dividend money pays.

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Trade Wars, Student Debt, and the K-Shaped Economy: Navigating Financial Turbulence Today | Morgan Housel On Impact Theory w/ Tom Bilyeu Pt. 2

Impact Theory with Tom Bilyeu

Play Episode Listen Later Jan 30, 2026 52:42

Welcome back to Impact Theory with Tom Bilyeu. In this episode, Tom Bilyeu sits down for an intense, thought-provoking conversation with acclaimed author morgan Housel to dig into some of the most pressing economic challenges of our time. Together, they unravel the complexities around America's shifting role as the world's reserve currency, mounting national debt, the rise of China, and the real dangers lurking behind our housing and student loan crises. You'll hear Tom Bilyeu challenge conventional narratives about economic cycles, inflation, and what history teaches us about the rise and fall of empires. morgan Housel offers invaluable perspective—tempering alarmist fears with humility, historical insight, and a focus on what individuals can actually control in the face of profound uncertainty. This episode is for anyone trying to make sense of the headlines, curious about what “trouble” really looks like for the U.S. economy, and seeking wisdom on how to navigate the rocky waters ahead. From global trade wars and demographic shifts to personal finance strategies for turbulent times, Tom Bilyeu and morgan Housel leave no stone unturned. Get ready for grounded optimism, refreshing honesty, and practical takeaways you won't want to miss! What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER: https://tombilyeu.com/zero-to-founder?utm_campaign=Podcast%20Offer&utm_source=podca[%E2%80%A6]d%20end%20of%20show&utm_content=podcast%20ad%20end%20of%20show SCALING a business: see if you qualify here.: https://tombilyeu.com/call Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here.: https://tombilyeu.com/ ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Quince: Free shipping and 365-day returns at https://quince.com/impactpodHomeServe: Help protect your home systems – and your wallet – with HomeServe against covered repairs. Plans start at just $4.99 a month at https://homeserve.comShopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impact Incogni: Take your personal data back with Incogni! Use code IMPACT at the link below and get 60% off an annual plan: https://incogni.com/impact Sintra AI: 72% off with code IMPACT at https://sintra.ai/impact Huel: High-Protein Starter Kit 20% off for new customers at https://huel.com/impact code impact Bevel Health: Visit https://bevel.health/impact and use code IMPACT to get your first month free. Ketone IQ: Visit https://ketone.com/IMPACT for 30% OFF your subscription order Cape: 33% off your first 6 months with code IMPACT at https://cape.co/impact Plaud: Get 10% off with code TOM10 at https://plaud.ai/tom Pique: 20% off at https://piquelife.com/impact SOCIALSFollow morgan Housel:Website: https://www.morganhousel.com/Twitter/X: https://twitter.com/morganhouselLinkedIn: https://www.linkedin.com/in/morganhouselInstagram: https://www.instagram.com/morganhousel/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Beach House Catastrophe, Insurance Nightmare, and a Road Trip Gone Wrong - 1267

The Chalene Show | Diet, Fitness & Life Balance

Play Episode Listen Later Jan 29, 2026 49:12

In this life update, Chalene and Bret share what turned into a full blown catastrophe after a major flood destroyed their California beach house. They walk through the reality of dealing with insurance delays, massive financial decisions, and why coastal properties come with a level of risk most homeowners never see coming. Along the way, the conversation shifts into a surprisingly grounding discussion about money mindset, stress, and how quickly plans and priorities can change. It is honest, sometimes darkly funny, and full of hard earned perspective on loss, gratitude, and not letting stuff define your future. Chalene and Bret also the road trip chaos that took place on their way to visit Chalene's parents.

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Housing Crisis and Toxic Inequality: Why the American Dream Is Stalled for Millennials | Morgan Housel On Impact Theory w/ Tom Bilyeu

Impact Theory with Tom Bilyeu

Play Episode Listen Later Jan 29, 2026 44:14

Welcome to Impact Theory with Tom Bilyeu. In today's episode, Tom sits down with Morgan Housel, bestselling author and expert on the psychology of money, for a candid and eye-opening discussion about the housing crisis and the far-reaching consequences it has on our society. Together, they dig deep into how housing affordability is at the heart of issues like declining marriage rates, mental health struggles, fertility crises, and even substance abuse. You'll hear Morgan lay out why buying a home is more than a financial milestone—it's a fundamental step into adulthood, community, and stability. Tom and Morgan also explore the cyclical nature of inequality throughout history, the role of inflation and debt in causing economic divides, and why current solutions to the housing shortage miss the mark. They challenge popular policies and talk about the real reasons why affordable homes are scarce—touching on everything from NIMBYism to regulatory capture—and what might need to change if we want to reverse trends that threaten generational prosperity. Whether you're worried about the future of the economy, curious about how political cycles influence policy, or just want practical advice for navigating today's financial uncertainty, this episode offers both sobering insights and a dose of hope. If you're ready for a thorough, nuanced conversation that connects headlines to everyday life, keep listening—this one's for you. What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER: https://tombilyeu.com/zero-to-founder?utm_campaign=Podcast%20Offer&utm_source=podca[%E2%80%A6]d%20end%20of%20show&utm_content=podcast%20ad%20end%20of%20show SCALING a business: see if you qualify here.: https://tombilyeu.com/call Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here.: https://tombilyeu.com/ ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Quince: Free shipping and 365-day returns at https://quince.com/impactpodHomeServe: Help protect your home systems – and your wallet – with HomeServe against covered repairs. Plans start at just $4.99 a month at https://homeserve.comShopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impact Incogni: Take your personal data back with Incogni! Use code IMPACT at the link below and get 60% off an annual plan: https://incogni.com/impact Sintra AI: 72% off with code IMPACT at https://sintra.ai/impact Huel: High-Protein Starter Kit 20% off for new customers at https://huel.com/impact code impact Bevel Health: Visit https://bevel.health/impact and use code IMPACT to get your first month free. Ketone IQ: Visit https://ketone.com/IMPACT for 30% OFF your subscription order Cape: 33% off your first 6 months with code IMPACT at https://cape.co/impact Plaud: Get 10% off with code TOM10 at https://plaud.ai/tom Pique: 20% off at https://piquelife.com/impact Learn more about your ad choices. Visit megaphone.fm/adchoices

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634. You Need to Form a Strong Retirement Identity

Be It Till You See It

Play Episode Listen Later Jan 27, 2026 48:11 Transcription Available

Gregg Lunceford, Managing Director at Mesirow Wealth Management and a retirement transition researcher, joins Lesley Logan to explore why retirement is about more than financial planning. He introduces the concept of the “third age”—a longer, undefined stage of life where identity, purpose, and structure matter just as much as money. Together, they discuss why work identity is so hard to release and how shaping your retirement identity early can make your next chapter feel intentional instead of uncertain. If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast https://lesleylogan.co/podcast/. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co mailto:beit@lesleylogan.co. And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe https://lesleylogan.co/podcast/#follow-subscribe-free.In this episode you will learn about:Why modern retirees now face a long “third age” requiring purpose beyond leisure.How work identity provides recognition, social connection, and daily structure.The difference between living as your “ought self” versus your “ideal self.”Why failing to plan identity often leads retirees to burn through money.Why creating a shared retirement vision helps guide future decisions together.Episode References/Links:Mesirow Wealth Management - https://www.mesirow.comGregg Lunceford on LinkedIn - https://beitpod.com/greggluncefordExit From Work by Gregg Lunceford - https://a.co/d/c84euxXThe Psychology of Money by Morgan Housel - https://a.co/d/feJq9lhGuest Bio:Gregg Lunceford has 32 years of experience in financial services. He is a Managing Director, Wealth Advisor in Mesirow Wealth Management and Vice Chair of the Mesirow DEI Council. He creates comprehensive financial planning strategies for individuals, families, organizations, athletes and business owners. He is the Investment Committee Chair for the American Heart Association, on the Board of Directors for the Juvenile Protective Association, an Advisory Board Member for the Nathan Manilow Sculpture Park at Governors State University and is an Advisory Board Member for the Quinlan School of Business at Loyola University. Gregg is also a frequent speaker on WGN radio's “Your Money Matters.” Gregg earned a B.A. from Loyola University, an MBA from Washington University, and a PhD from Case Western Reserve University where he conducted research on retirement. He is a CERTIFIED FINANCIAL PLANNER® professional and holds a Certificate in Financial Planning Studies from Northwestern University. 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And once you start to figure out, I need to form a retirement identity and understand my ideal self. You start to self motivate and become excited about it.Lesley Logan 0:27 Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started. Lesley Logan 1:10 Okay, Be It babe. This conversation is really cool. It's really, really cool. It might you I'm going to introduce it in just a second, I'm going to introduce the guest, and it might be somebody like when you think about this, you yes, you do. Yes, you do. And I actually am really excited once I hit in on this, because Brad and I have already talked about this topic with each other, but I we've actually not dove into what retirement looks like, right? Like? What does it look like? Who are we, you know. And I think especially if you're an elder like me, you're like, I'm still trying to figure that out for my work stuff, but, but there's, there's an even bigger reason for us to think about it now, and Gregg Lunceford is going to explain that to us, and it's going to give you so much inspiration and a joy and excitement and possibility. And I can't think of a better be it till you see it, thing that be working on than what Greg is going to offer us up today. So here he is. Lesley Logan 2:04 All right, Be It babe, I'm really excited, because when I met this guest, I was like, hold on, this is very different. This is a whole different attitude to have about. Fine, we're going to talk money. And I know some of you want to, like, put your head in the sand and ostrich out, but we're gonna talk retirement. We're gonna talk about some really cool things, also just thought processes to have. We have an amazing guest, the first person ever make me think of this in a different way. Gregg Lunceford from Mesirow, is here to rock our world today. So Greg, tell everyone who you are and what you do.Gregg Lunceford 2:34 Hello, Lesley, thank you so much for the opportunity to be on your show. My name is Gregg Lunceford. I am a career professional in financial services. I work for a firm called Mesirow Financial in Chicago. We have locations across the country and some overseas. I am a wealth advisor. In addition to that, I am also an academic researcher, and my field of study is retirement transition. And so what I work with clients on is getting them, not only do you understand the financial part of retirement, but also the social, emotional components of making the transition and how it is unique to them, because the 21st Century retiree retirement transition is much different and way more dynamic than most people think, having watched others do it in the 20th century.Lesley Logan 3:21 This is so cool, because you're not, like, our, you know, our grandfather or father is like, like, financial planner, you are actually thinking, like, deep about the person. And that I find, I don't think I've known anyone who does that. Like, usually it's like, here are the numbers, here's your sheet. Let's put this in. How much money do you want to have and like, that's it, but you you've brought more personality to it and also more emotions to it. How did you get started in that? Gregg Lunceford 3:47 So I'll give you a little bit of a backstory. So as I mentioned, I've been in financial services for 33 years, and when the real estate bust occurred in 2008 I was working for another organization, and we were having people come in and very successful people, and they were set for life. They were being offered an exit package from their from their employer. They were leaving a lot of C suite roles, or maybe a little role below the C suite. And we were having meetings with them to prepare for retirement, and we would go through all the financial numbers and something still wasn't right. And what I was noticing was they were hesitant to make the retirement decision, even though the company was saying, look, we, giving you this excellent opportunity to exit early create cost savings for us. It'll create great financial opportunity for you, especially because we were in this period of time like unemployment was going above 11%, and so here's the opportunity to take this nest egg and be good, which was counter to what we were taught in our industry when I came in the industry that, you know exiting out was an economic choice, that once you hit a certain number, then you would go look for activit ies of leisure, because work can be depressing and daunting and stressful and all those kinds of things. And even when I was watching, you know, commercial ads from people in the industry and competitors, you know, you'll see something that goes, and I won't call the company, but they had a very successful campaign that said what's your retirement number? Yes. And this number will follow you down the street. Is this? You know, you walk from the door, do you remember that? And you look at your balance, it's like, if today's the day you just tell your boss, I can't stand you, and it's over with, right? And so this was very counter to what I was experiencing. And so I started to talk to some of the senior level people in my organization. I said, there's something going on here and and they said, well, it's probably because they're talking to us, and they're also shopping with other people to see who they which which company they want to work with. So go offer them a great discount, because it's probably all things equal, and it's just they're being sensitive about numbers, once again, making this an economic choice, so we would do that. And what I recognize is the sales cycle got even longer. And so I would go back to them. But I said, have you been looking at the trends for our sales cycle? And you would think that these would be quick, easy, easy sales, you know, because people supposed to be running out of the door, and they took longer. And so I said, there's something we don't understand about someone who is at this stage, and the feedback I got was, if it's something social emotional, there's nothing we can do about it. You know, if someone's afraid about running out of money, you can create an annuity product to take care of them for life. Somebody's worried about interest rates going up, you can create a product that deals with interest rate sensitivity, but nothing can deal with how a person feels. And I didn't accept that as an answer. I thought that was wrong, because the way I view it is, clients hire us, and they trust us, and we can do a better job the more we understand the client beyond just their finances, right? And I felt like there was a big problem here. So I basically said, you know, I want to go back to school and study this. And I negotiated for time to be in class, and I got it. And so I went to Case Western Reserve University. I got into a PhD program there, and I did four years of PhD study and lots of studies trying to figure out what are the social, emotional factors, as well as the financial factors that a person considers when making the retirement decision. And there were just tons of things that I learned in that process that I used to help my clients. Were happy to talk to you about that journey.Lesley Logan 7:37 Yeah, I'm excited to get in with that, because it's really funny as you talk about this, I like, my my family, right? My mom is two years from retirement, and she's got two homes, you know, in California that it, honestly, I was trying to get her to sell few years back because it would have been a great idea. And like, get a condo, be set for life. And we're like, showing her the numbers. We're like, look at this. This is a you, you can set yourself up to just be chill, and she is like, not listening, and I think it's because of the emotional attachment to these properties versus, like, the numbers. And so I can I get that right? Like, I get my my in laws could have retired years ago. I don't think that they know what to do if they don't have work things. And I don't even know that they love their work. I think they like what the what the work represents that they do during their day. So I do want to dive into this, because in being it till you see it like I'm hoping that every listener here gets to live to the age that they desire, like and we all are, as you mentioned, like that, the time that we're in people are living a much longer time, like retired at 65 and dying at 90. It's a long time to not have a J-O-B, right? So it would be really cool to chat with you, because like being it till we see it means including what we want to be. How do we want to be when we're older and not doing the thing we're doing? How do we want to be in retirement? So let's dive into that a little bit.Gregg Lunceford 9:06 Sure, so a couple things I want to cover off on. It was like one, how did we get here? And I think you've already touched on that. The fact is, we're living longer. And so if you are looking at a retirement maybe 50 years ago, when people really started to expire in their late 60s and their 70s. What occurred was you got to 65 and the system told you 65 is the number. Why does this arbitrary number was picked one day when they were trying to figure out Social Security, they said it was 65 is the number, right? And so you come out at that period of time, and you only have just a few healthy years in front of you, or at least you anticipate you only have a few healthy years. So what came out was this concept of a bucket list. So I am going to use these healthy years to travel, play all the golf I can, and have all this leisure that I can before I am too physically unable to do this or mentally unable to do this. And so couple things were wrong there, as it relates to our retirement 21st century. One, we're living longer, so you're going to be physically and mentally able to do something for a long period of time. So if you don't sort of set goals for yourself and see what you can be in the futurem you're going to get bored really, really quickly, and you're going to start to decline very quickly, simply because you're absent of certain things, purpose and drive and and goals and accomplishment. You know, it's more than just a couple rounds of golf that are going to make you happy. And so what I think people don't understand is we are now living in a period of time where it used to be you went from your youth to middle age and to old age. And so this transition from middle age to old age was about that 60 mark, right? And so people just basically said, I have no more control. The system is going to do what it does to me. I'm going to be booted out of my job. I'm going to be sent off to do leisure. I guess that means I play with my grandchildren or volunteer, and I'll just follow suit. And what happened is a lot of people found themselves doing things that weren't rewarding to them. Now we're in a new era, because we live longer. And what is present now is what is called, in academic terms, the Third Age. So you now go from early age to middle age to this Third Age, which is this undefined period, and today's retirees are the first people to go on this, and then you go on the old age, and the Third Age is this 20 year life bonus, where you get to define who and what you want to be. And think about it, you're wiser than you ever been. For most people, you have more financial resources than you ever had. You don't have a commitment to other people, meaning you've raised your children so you don't have to worry about them. Hopefully you're in a position where you don't have to care for aging loved ones, right? So this is a period of time where you can do anything and everything you always wanted to do. And people go, well, what didn't I have the opportunity to do whatever I wanted to do? Not quite, because remember when we were growing up, and those before us were growing up, we were kind of encouraged to do things that were socially acceptable. Rght? Lesley Logan 11:02 I agree. Gregg Lunceford 9:07 It wasn't until recent decades where someone says, I'm going to start a computer company out of my garage. I'm going to drop out of college and do something that's undefined and pioneer so the current generations, entering into into retirement, have never developed this proactive protein behavior the way maybe millennials and Generation Z has.Lesley Logan 12:54 I completely agree. Because, like, I, I mean, I feel very lucky that even though I was raised very much by, like, almost a Boomer and and a hippie like, I do have a career where I am doing whatever I want. I'm an elder millennial, so I have that, but I have friends who are just a few years older than me, and I don't think that they have a they don't have hobbies. If they have a hobby, it's going to the gym. You know what I mean? Like, it's like they don't really have things so outside of their work, it's like, what do you do for fun? Are you kidding? Like there's no and so I feel like what you're getting at is, like, no one has actually spent time thinking like, but what do I actually want? How can I dream about that, right? How can I make that so exciting that that I want to take a retirement package or that I'm excited to I have this I'm not just like, oh, let me go play golf three times a week. Like, what else? I have no purpose. I think it's really fascinating that that there is a good chunk of, like, I would say, probably over 45 who don't really, they're exploring it, but don't know. And how do you figure that out?Gregg Lunceford 13:59 So let me ask you a question. Lesley, what is your earliest memory? Or how about how old do you think you were when someone first asked you what you wanted to be when you grow up?Lesley Logan 14:09 I remember being in elementary school, and I'm sure it was asked of me earlier, because people have told me that I said something different earlier. But I remember in fourth grade, I had to, like, write a poem about who I was and what like, what did it feel like, and what did it sound like, and what did it look like. And I said, a judge, you guys, that should shock everyone.Gregg Lunceford 14:36 My point is so since age 10, someone has been helping you develop your work identity. So people were asking you at home or in your neighborhood or a church or wherever you socialize, what you're going to be then you're going to go to a middle school and you're at the high school and they're going to assign a counselor, going to start telling you to think about college or trade school or whatever it is. Is then you got to get into career. And then whatever career you get in, maybe you're assigned a mentor that's helping you understand or think about how to advance in that career. And then you get to this point where maybe you're like late 40s or 50s. And does anybody help you figure out what your identity will be after work. Lesley Logan 15:22 No, as you're saying this. Gregg Lunceford 15:24 You're on your own. You're on your own. And the only thing that was different here is when they put you into that position where you were felt forced into retirement, right? And then there was also a safety net there in the form of a pension that doesn't exist the way it once did, and there were other government safety nets that may not exist the way they once did before, when they put you there, you just said, okay, I'll accept it, because I'm only going to be around five years anyway. So let me work on this bucket list, but you never really thought about and I think people don't really dig into thinking about what the value of work is, beyond the financial resources it provides. So they get to the tail end of their career, and some people may not even think about it anyway, either. So career, because you've spent all this time having these conversations, you start developing this identity because your work, you become what your work is, right? And so, so a lot of people look at the economic resources it provides, but work also provides for us ways to get psychological success. Who doesn't like completing a task and getting recognition, and if you're in a good working environment, right? Everyone says, Let's applaud Lesley because she did this for the team which created this opportunity for the company, which created this value that she should be recognized for, right? So that that's very important, that gives you a reason to get out of bed, that gives you a reason to thrive, and that has some value when you walk out of the work environment. How do you replace that when you go into this third age? The second thing is, work provides socialization. No matter what you think about your work colleagues, if you like them, that's great. They give you somebody that you want to see every day, that you become personal friends with, that you grow with, that you learn to care about. If you hate them, they give you something to laugh about at the end of the day. You know what that idiot Bob did today again, right? That gives that gives you more than you think, right? And so work provides socialization. And then the third thing that work provides that we often overlook is structure in your day. What to do with your time, right? And so for a lot of people, when they don't have somewhere to go, something to do that makes them feel accomplished, and people to be around that they enjoy or either get some form of comical satisfaction from, they're lost when you put them out there on their own. And so what I learned and through my research is this transition for a lot of people, is the first career transition that they've made independently, and it is scary. Lesley Logan 18:08 Yeah. I mean, when you put all that together and I'm just like, going, wow, you know, people aren't it, one of the questions we've got on the pod is like, how do you make friends as a note when you move to a new place? It's like, I mean, for us, we work for ourselves. So, like, we didn't have a place to go to make, you know, so I, my husband and I have a different experience in, like, how to find socialization and structure to our day. And, you know, like we've had to make it happen. But for so many you know, my dad, he quit his he quit his security job. Yes, guys, my 72 year old father was a security guard, but he quit it because he got frustrated. Anyways, he is back working as a crosswalk guard because he's like, I'm bored. I have nothing to do, and I'm like, but dad, we could get a hobby. We could play these game like, all this stuff. And it's because he never, ever, ever in his whole life, did anyone ever encourage developing the skills outside of work.Gregg Lunceford 19:06 Developing a retirement identity, right, developing a retirement identity. And what also makes it hard is, you know, when you are developing a retirement identity, like I said, this is your first shot at personal freedom in life. Okay, when you're growing up, you had to do what your parents told you to do. Then you became an adult, and then you had all these set of responsibilities. And so you were doing what people told you you ought to do. You were really working on your art self. So if you're going to have a family, you ought to find a job that produces enough income, you know. So you didn't really think about ideally what you wanted to do. And what is really amazing to me is I've interviewed some highly successful people that do amazing things, and when I start talking to them about forming their ideal self, the stuff they come up with is so counter to what what and who they are. It is. Is amazing to me. So I get cancer surgery or successful attorneys or engineers to say I want to learn how to write mystery novels, or I want to start a rock band. And so what it points to me, and what it what comes out to me is these are probably things that they wanted to do in the 10, in their teens, in their early 20s, all along, but they couldn't do that because society told them these are not the things a person ought to do. You know, if they want stability in terms of income, if they want respect in their community, if they want you know, the structure that around it allows them to have a family and not have to worry about things. And so now you get to this third age, and I saw all off the table. You're wiser than you've ever been. You have more financial resources than you've ever had. You know, you have more personal freedom. Now you get to, really, for the first time, work on who your ideal self, not your ought self, who you want to be. And if you get it right, you're the only person you have to hold accountable. If you get it wrong, you're the only person you have to hold accountable. And so some people go, well, Greg, what does it have to do with money? I think people who don't take time to find this identity burn through a lot of money trying to find themselves. Right? And so, when I first started this journey, I was trying to find a cohort of individuals that had finished their career, achieved financial success and had 30 years ahead of them. And what were their behaviors, and where you consistently see this is with professional athletes, right? You're out of the game early. Right? You're in your 30s, and you're Tom Brady, you're 40, but that's the long game. But you're really out in your late 20s, your early 30s, you don't have financial concerns, right? And what is the behavior? And sometimes we demonize athletes for dysfunctional behavior after Hey, but all they're showing us is who we are going to be if we don't develop a retirement identity.Lesley Logan 22:09 Yes, Greg, you are 100% correct there. I think most people, think most people will say they don't know how to manage their money and and to your research and what we've been talking about here, it's not about managing money it's about they don't know who they are without their sport because they spent, for those people, they spent, literally, since they were a child in that sport and getting so many accolades, and then all of a sudden, no one cares. No one pays attention to them. For the most part, they're not going to be on TV like, that's it. And so I think it, I think you're spot on. It's not about the money responsibility, although they might need to learn some. It's about who, who are they now that they're not playing.Gregg Lunceford 22:50 Right and so then you go, well, this athlete just went broke because they put all this money in his business. Well, they're trying to get the same accolades in business they got in sports, right? They're trying to replace that identity that made them feel good, made them feel accomplished and some people are very successful at it. Those aren't. But my point is, there has to be a road map to get that yes, and it doesn't always have to be in business. It could be in your civic activities. It could be you learning to act, or you become in sport, but you have to first of all imagine who your ideal self is. And just like you were coached and you read and you trained to build that ought self, hopefully, for some people, a lot of people, the ought self is their ideal self, and they're usually entrepreneurs like you, where you that you know what, I'm not going to go to normal path. I'm going to carve a path for myself, and entrepreneurship gives me that freedom. But for a lot of people, they have to figure out now that I've satisfied all these obligations to other people and other things, who do I ideally want to be and then work at how do I get there? Because if you go in there blindly, you're just the same as that person out of that was in sports or any other industry, you're just trying to find this quick hit to replace all of these accolades or psychological successes you got. And you can blow up a lot of money doing that. So the well being comes from getting all of these components right, not just as we were taught in the 20th century, just making sure you don't run out of money. Lesley Logan 24:26 Gregg, this is insane. So okay, so I love all of this. And it's, it's, it's like, so aligned, because I'm always like, can't be you're not gonna get right the first time. Like, we have to ditch perfection, which, of course, in workplace, it's very honed. Like, check the box. Do it right. Do it right. So you have to talk to the boss about how you did it wrong. Like, get it right. Like, so of course, when you, when you retire, if you haven't been working on these things, you're you're going to be hard on you're going to take your ought self into your retirement. So I guess, like, first of all, I don't think that most financial retirement planners do any of these questions. So when, if, when people come to you talk retirement, are you like pulling are you like asking them what their ideal, what they want their ideal self to be? Do they even know how to find it? What questions do they have to ask themselves? Gregg Lunceford 25:13 Well, we do have. We have. We have a lot of conversation about, you know, not only can you financially afford it, we can put some numbers of software and come up with that answer pretty quickly, right? But we also have a conversation about, what do you think your lifestyle will be, and why do you think this is right for you? And what do you want to accomplish? And you know, some folks will come in and say, hey, I think I want to start a small business, right? And so we might talk about them, and they don't want they don't want work again in the way they want it, but they want something to do that is work on their own terms. So a lot of this is you changing the terms of what you're doing and because when we go, especially if we go to work for a corporation or some that's usually a unilateral contract, right? The person the institution is telling you, I'll give you X amount of dollars if you do this. And you say, but what if I did a little different? No, you don't get a choice in that. This is what you got to do, right? And what we're recognizing is we do have some power in that. We do have some power. I've seen a lot of people be successful in going back to their places of work and negotiating consulting contracts. And they basically said, you know, I don't want to do nine to five, but if you have a special project that you bring on, let's say you bring you on new software, whatever, and this is going to be a nine-month project, or it's going to be something you need few hours, you know, out of the week and but I get the summers off. I'm your person for doing that. And that's how they're able to get from their ought self into their ideal self, because the time that they're not there, they now start to figure out what their personal freedom, what they really like to do. So I think of one person now, he was very successful at this, but he also was confident enough talking to his employer, because he was the head of HR, so he knew he was a little bit more comfortable. But basically what he did was he got to this point, and he was ready to make this transition now, but he didn't know what he wanted to do. So he went to and he said, look, I'm the head of HR, I got 70 people reporting to me. I'm willing to give all of my direct reports to my successor. If you help me, let me help you identify my successor, and help me groom your successor. So his role became more of coach, manager, mentor, in this last couple of years, and that was three days a week. He said the other day a week. These are institutions, nonprofit institutions, that we, as an organization, support. I want one day to volunteer with one of them, and so now they get a free executive for one day a week. That was great for the company. Worked out well. He said, then the fifth day of the week, I just want a day off. I want to see if I really enjoy leisure. Everyone tells me I'm supposed to play all these rounds of golf and lay back and relax. Let me make sure that that's the right thing for me. So he has three days a week that he is engaging in what he traditionally knows in terms of what his identity is. He has one day a week to see if he wants to change his identity in his community through his volunteerism, and he has one day a week to figure out if I just want to exit all together. And the answer is, you can do one of the three of those. You can continue doing all of the three of those. What we have now is, if you shape them correctly, is we have what are called boundary-less careers. And so this is where I think, you know, we give Millennials a bad rap. We give millennials a bad rap because we always say, well, they like to do a gig economy. They don't stay anywhere 30 years. But what they're really engaging in is today's boundary-less career, where they define success for themselves, versus going down the traditional path, which says you can only be successful by going up the pyramid. For them is, you know what? I can be equally financially successful. I can gig here, gig there, and add it all together, or I can and get this personal freedom and know how to negotiate so that I'm spending more time, just as much time developing my ideal self as I'm developing my ought self.Lesley Logan 29:21 Oh my gosh, Gregg, you just like, I think you're the first person to ever give the millennials a compliment. But thank you. Constantly find myself defending, like, I'm like, what are we talking about? Like, we're not bad, we're we're a group that's how to really fight, like, figure things out. Because when we came into the world where we got a job, like, everything was so uncertain. You know, between 911 and between, that's when I went to college, and then I got out of college, and it was like the recession, like, there's not, there's not been an opportunity to have a certainty of a 30-year career. But I think what you're, what I'm, what I love about what your saying is, like, we've actually been spending our careers figuring out who we are, and like, spending time doing that. And I am obsessed with what the example of the guy you gave, because I think so many people can start playing with that right now. So many companies are looking to go to a four day work week, you know, like, so many places are looking to have like, Okay, you're in office for some days and you're at home for other days. Like, we can look at those opportunities as ways to figure out our retirement identity. Gregg Lunceford 30:22 Right. And a lot of us get stuck in this, oh, well, I work for this large corporation. They aren't flexible. There are a lot of small, medium sized companies that are in growth mode that that model works very well. That's what they can afford. And they need the institutional knowledge and the wisdom you got to be able to and this is where we go back to talking about boundary list careers. You got to think about all of the universe and parts of it you don't even know exist. This is where your personal curiosity has to kick in to get what you want. Lesley Logan 30:53 Yeah. Yeah. Okay, Gregg, so I feel like you are a unicorn though. Like, I really do feel like, because, I mean, obviously, what a cool company, that they're like, yeah, go, take four years to figure out this idea you have, and then, like.Gregg Lunceford 31:09 Well no, they weren't that cool. That's why I'm here. Lesley Logan 31:14 Okay, that's cool. Gregg Lunceford 31:15 I kind of, I took a lot of flack as I was doing this, and because people were going, we don't understand why you're doing thi, right, and you know, we don't really understand your need to do it. And there were a few key executives that said, you know, they were really supportive of me, but overall, it was, you know, I was sort of like I was trailblazing, and people were going, you you have a very good set of responsibilities here, that you could be highly successful. Why do you want to tinker with the mouse trap? And I said, I think this would make me a better advisor to my clients, if I, if I came to understand this now, back then, and, you know, there was no one talking about psychology. I'm a certified financial planner now, the CFP exam as of I think, like two, three years ago, 11% of the exam is psychology now. But I was, I was in a very uncomfortable space, but I believed I was right. So when you start talking about, you know, be it till you see it, right, I'd be, I was in a very uncomfortable space. And this is my book, Exit From Work, I write about it in my book, but I am glad I had the journey, because I feel as though I'm a better professional, and my clients appreciate it.Lesley Logan 32:21 Yeah. I mean, like, you know, years ago, I read the book Psychology of Money, right? I think that's what it's called, or maybe it's called profit, but I think that's money. And, like, I said, like, the type of person you have to be to get money is very different than the type of person you'd be to keep the money. And I was like, like, that's, by the way, that's, like, the thing I remember from the whole book, it's, but at any rate, I remember that sticking going, hold on a second. Like, we as people have to evolve, like, one on the getting, two on the keeping, and that goes kind of along with what you're saying. Like, you know, you have to understand the emotion psychology behind all of this. Because, yes, spreadsheets are great, but with AI, like, we don't need a bunch of people do a spreadsheet anymore. So there's that we need someone to help guide us to like, well, who is it like, where is this money going? What do you want to do with it? What like was also, what if, instead of like, okay, here comes our retirement age, what if it's like, oh my gosh, like, I can't even wait, or, actually, I'm going part time now, and my retirement is part time, and I'm doing all these other things. Like, that's so cool that you, I mean, you do that, it's not easy to be a trailblazer. It's not easy to be the only person talking about it, though. Gregg Lunceford 33:27 Right. It's rewarding in the end, and so, and I think a lot of people find it liberating, because if you got 20 years, you just really want to do what people tell you you ought to do. I mean, especially when you spent the first 60 doing that. And so really, what this third age is supposed to be. It's supposed to be the most dynamic part of your life, right? It is a way to course correct or either enhance something that's already gone well for you, versus a lot of people going to retirement, because that's what retirement was when it first started off, it was really this negotiation between management and labor, where, especially, we were in an industrial society. So labor was more physical, right now we're in a service economy, so it was really more cerebral. But back then, you know, they wanted a management wanted employees who could swing a hammer so many times a minute, and that was usually somebody under age 40, and this is where we start getting age protection laws, right. And anyone over 40 they wanted out of the workforce. So, you know, retirement didn't start off as this, oh, this is this great thing, and they're going to write me checks for the rest of my life. It didn't start off as that. It really started off as you were really making someone feel devalued because you you didn't have any and so we've gone along with this model. It wasn't until maybe, like the 19 late 70s or 1980s when we went into this global recession where people started getting offered these early retirement packages to come out of companies because globally, a lot of people, a lot of companies, had financial issues to deal with. And what they weren't expecting when they let this 55 year old go is that life expectancy was starting to go up, and so now this 55 year old is now living to 80, and they got the best end of the deal. And what is happening financially right now is people are looking at their parents and grandparents who got that deal, and they're going, I can never afford to do what they did, and not realizing that that was an anomaly. And so a lot of people, socially, emotionally, feel like they're failing, and they don't want to talk about retirement because they feel as though I'll never be able to do what the person did before me and therefore there must be something wrong with what I'm doing or what me and the reality is the game is changing, and so you actually have more personal freedom than they have. And just like they walked into a unique situation, you have to craft a unique situation for you that works.Lesley Logan 36:04 Yes, that, Gregg, this is, you're a historian. You're like a life coach and like the person we all need to be thinking about when it comes to like, because it doesn't matter how I mean, obviously we're told, like, the earlier you can start thinking about retirement, the better. But people don't want to do that, like I said the beginning of this. They want to put their head in the sand, like, I can't be my grandparents, so I'm just going to keep doing what I ought to do, and just and like, we'll deal with that later. We'll figure out the number later. But I think if we can, like, start thinking about it now, it really does allow us to curate the experience we have with work, but then also set ourselves up for that third age where we can have a really good time getting to know ourselves even deeper, and not not losing money along the way.Gregg Lunceford 36:51 That's correct, because in that third age, you may convert a hobby. So I have a friend who was in banking with me. He would always go take a week or two off every year and just go to Europe and backpack. He would stay at, you know, two three star hotels. He was like, I'm not there every day. And he would just go take the most amazing pictures he bring them back to the office. And we would go, Jim, you know, you should have an art show. And he was like, Nah, they're just hobbies or whatever. And he had a hard shell, and people started buying his art. And so, you know, now in retirement, you know his joy also produces income. And so he has defined work on his own terms. It doesn't even feel like work to him. And so what a lot of people who are looking at their parents and grandparents and then going, you know, they got this pension for life, and they don't offer pensions anymore, and they didn't get sandwiched. So they didn't have the burden, financial burden of raising kids and having to take care of parents. I'm stuck. I'll never be able to do that. There's something wrong you don't understand. You now have this 20 year life bonus, where you can learn to gig, you can learn to I often point to the show The Golden Girls. I don't know if the creators of the show knew what they were doing or they intentionally did this, but look at that model. I think that's the model a lot of people are going to have to go to. And I think you touched on this a little bit earlier. You start talking about your father and your in laws. And you know, we don't have kinship the way we once did, once small, we have smaller families, right? Two, geographically we disperse, right? And so what in this planning process of your ideal self, what you also have to learn how to do is to replace kinships with friendships. So that's what was going on in that in that Golden Girls house, you had Dorothy and her mother, Sophia, that had a kinship, but where they didn't have kinship, they replaced it with their roommates with Blanche and Betty (inaudible). And so now that you have this replacement of family that you trust and you get along with, now you got four people to split your rent with, so that makes the money go longer, right? Yeah, then you start talking about what went on every day. Well, sometimes they were doing volunteer work, and then they had to spin off where they bought a hotel. So they basically were doing their own version of a gig economy, right? They were engaging as much as they wanted to or not. Then they had socialization from each other. There was always something going on in that house, right? Yes. And so, right? And then they had things to create psychological success. So I don't know if the creators of the show recognized at the time, but to me, I looked at it as sort of foreshadowing what people have to create for themselves on their own with this life bonus, and it will help them both financially, as well as their mental and their mental well being. Lesley Logan 40:00 Gregg, yes. I mean, I joke with my friends who have kids. I'm like, I just want you to know that your kid is gonna have to take care of me because I don't have kids. But really, actually, I just need to find my Golden Girls, my husband. I just need to find a co op, a little commune of all of our friend all of our friends who don't have kids, we actually like what we're being with. And we could have a great little retirement home, maybe make it a BnB. This what I what I just I'm obsessed with, and why I got excited to have you on is, you know, oftentimes the Be It Till You See It podcast really talks about, like, what we can do right now, like, for right now, what we can do to be it till we see it tomorrow, or for the thing we want next year. Or there might be some stuff I have never thought of it as like, what can we be doing right now to be it till we see it for retirement in a way that we can choose, like we get the life is literally what we want, and the research you've done, the education you've had, and how you've literally seen it implemented in unique ways, because of all this work, is so cool. It makes me excited to actually, like, look into that future. Because, like, I'm like, I'm like, I'm not gonna look past 50, because I got things to do with my job, with the job that I created for myself. It's like, oh, hold on a second. What, like, what can I be playing with right now so that I know what I'm gonna do past 50, so that I have something to look forward to. So I'm excited about it. So, Gregg, what are you most excited about right now?Gregg Lunceford 41:20 I'm excited about I'm writing and researching and learning about the person I'm becoming. So and so I often joke with my clients, but I'm really not joking. They'll come back and they'll tell me some amazing experience they had, and I always tell them, leave me a list of notes so I know where to start when it comes to my time, and I say that jokingly, but it's something it is serious. What we all need to start to focus on right now is just like we had that career guidance counselor helping us and coaching us. And to that next thing, we need to start taking time to figure out that action plan for that next thing. And once you start to figure out I need to form a retirement identity and understand my ideal self, you start to self motivate and become excited about it. So what I really enjoy about what I've done through my work, whether it be here as an advisor or through my research, is that I'm helping people understand that they have a lot to be encouraged by, right? You're going to get 20 years to do whatever it is you want to do. And what I also want people to be understanding of. You don't have to leave the workforce if you're doing something awesome already. Just keep doing it. And if you want to modify that in some kind of way, figure out a plan, or figure out your terms and how to negotiate those terms. Say you can do that. Lesley Logan 42:51 Oh, I just like each answer. I just get more excited for people. I'm excited for myself. Like, I'm like, wow, this is so fun. We're gonna take a brief break and then find out where people can find you, follow you, work with you and your Be It Action Items. Lesley Logan 43:00 Okay, Gregg, where can they connect with you? You have a book, Exit From Work, but where, where can they go to chat with you, work with you like, get more ideas about their retirement identity?Gregg Lunceford 43:14 Sure, so I can be reached at mesirow.com so our website, M-E-S-I-R-O-W dot com, on that, if you put in my name in our search engine, Gregg Lunceford, you'll come up with my team web page. We'll have my bio, my contact information, also a list of all my publications. Also, if you're interested in my book, Exit From Work. This can be found on amazon.com, and I'm always encouraged by people who take time to drop me a note, or we didn't even go into I talked about the Golden Girls situation. We didn't even go into their academically based retirement communities. Now, basically, instead of dormitory you lived in when you were in your late teens and 20s, now people are going back to retire near where they went to school. So they now have, because we don't have these kinships, they're now bracing building friendships based on the fact that they're alumni, or they love the school and and so it's sort of like this, you were living in the Golden Girls subdivision, maybe. Lesley Logan 44:15 Oh, my God. Gregg Lunceford 44:15 So there are all kinds of things that are going on right now, and I just, I write about it in my book too. I just want people to learn about that so they don't feel as though they're confined to what they saw their parents do. Lesley Logan 44:27 Yeah, yeah. Oh my gosh, Brad, when you listen to this, we'll choose your school, because he went to music school, so we'll choose that one.Gregg Lunceford 44:37 He could, he could probably teach all the people I know they want to start a rock band. Lesley Logan 44:41 Yeah, yeah, yeah, him and his buddies. That could be their whole little they would love it. Okay, you've given us a lot, but I do want to dive into the bold, executable, intrinsic or targeted steps people can take to be it till they see it. What do you have for us?Gregg Lunceford 44:56 Okay, so what you first have to do is you have to create a vision. And if you have a partner, it is very important that that be a shared vision. The last thing we want to do is get to the end of our career and then have conflict with our partner. And a lot of that happens because most couples do not talk about retirement. They don't even know if the other partners is saving for retirement. Like 40% couples don't even talk about this. Don't even do the calculation to get past them. So so if you haven't even done the basics on that end, talking about this thing you aspire to be is very difficult because And so last thing you want to do is you both jump in it, and then you you're stuck and you're unhappy. So create a vision. If you have a partner, make sure that's a shared vision. And then start talking about goals. Engage someone like myself, who's a financial planning professional, to help you see how you can align your financial wherewithal with those goals. And then think differently. Think about being your best self at this stage, not being someone who society just said it's time for you to leave, because that's not the case. You have more value to offer a lot of people than you think.Lesley Logan 46:07 I do, I love that. This is an episode I really hope my in-laws actually listen to. I really am. I'm actually just really excited for even our our listeners who who are like, you know, they might be in there. They might be, like, 15, 20 years away from retirement, but, or even 10, but, like, we have a bunch of them, and I hope this helps them rethink that, because I think sometimes there's a fear to, oh, my God, you know. And you just said it like being the system has told them that they're done, but you're not done. And so I just you've given, like, so much excitement around this topic, and joy and possibility. So Gregg, thank you for being you. You all, how are you going to use these tips in your life? We want to know. Make sure you tell Gregg Lunceford your takeaways. I'm sure it will make his day. Share this with friend who needs to hear it, that friend who's like, so worried all the time, like, absolutely needs this. And you know what to do until next time, Be It Till You See It. Lesley Logan 47:01 That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod.Brad Crowell 47:44 It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell.Lesley Logan 47:49 It is transcribed, produced and edited by the epic team at Disenyo.co.Brad Crowell 47:54 Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi.Lesley Logan 48:01 Special thanks to Melissa Solomon for creating our visuals.Brad Crowell 48:04 Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Support this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Morgan Housel: Wealth is What You Have Minus What You Want

Podcast Notes Playlist: Latest Episodes

Play Episode Listen Later Jan 25, 2026

Knowledge Project: Read the notes at at podcastnotes.org. Don't forget to subscribe for free to our newsletter, the top 10 ideas of the week, every Monday --------- Morgan Housel breaks down the exact framework he uses to build wealth, minimize financial stress, and buy freedom. While most financial advice focuses on how to get rich, Morgan explains why the skills needed to stay rich are completely different. You will learn why "boring" investing beats complex strategies, how to avoid the social traps that destroy wealth, and the specific equation for finding contentment. Morgan Housel is a partner at Collaborative Fund and the bestselling author of The Psychology of Money. Enjoy! ----- Approximate Timestamps: (00:00) Trailer/Introduction (00:58) What Drives You? (04:50) What Can Money Do For Us? (07:22) Happiness vs. Satisfaction (11:45) Becoming Financially Independent (14:40) Survival and Contrast (20:16) Ad Break (21:05) Investing: Can You Beat the Market? (22:32) When Is The Right Time To Buy a House? (26:45) Housing Affordability and Equity (28:39) Step by Step Investing (35:08) Eras of Life and Spending In Those Eras (43:50) Raising Kids With Money (48:46) Social Media: Expectations and Comparison (55:46) Lessons From the Vanderbilts (01:01:21) Learning From Others Spending Habits (01:07:51) Lessons From History: Depressions, Panics, Downturns (01:11:40) Net Worth in Cash (01:14:20) Passive Income and Financial Independence (01:25:58) Massive Success: Doing It All Again (01:32:27) What Should You Optimize For? (01:38:24) What Do You Splurge On? (01:40:38) What Can History Teach Us About Inflation? (01:47:46) Index Funds Allocation (01:53:36) What Is Success For You? ----- This episode of the Knowledge Project is for informational purposes only. The views and opinions expressed by Shane Parrish or our guests are solely their own. Nothing in this conversation should be considered investment advice, financial guidance, or a recommendation to buy or sell any security. Always do your own due diligence or consult with a qualified financial advisor before making investment decisions. It's time to listen and learn. ----- Psychology of Money: https://geni.us/my3K Morgan Housel X: https://x.com/morganhousel Website: https://www.morganhousel.com/ ----- Upgrade: Get a hand edited transcripts and ad free experiences along with my thoughts and reflections at the end of every conversation. Learn more @ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠fs.blog/membership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ------ Newsletter: The Brain Food newsletter delivers actionable insights and thoughtful ideas every Sunday. It takes 5 minutes to read, and it's completely free. Learn more and sign up at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠fs.blog/newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠------ Follow Shane Parrish: X: ⁠⁠⁠⁠⁠⁠https://x.com/shaneparrish⁠ Insta: ⁠https://www.instagram.com/farnamstreet/⁠ LinkedIn: ⁠https://www.linkedin.com/in/shane-parrish-050a2183/⁠ ------ Thank you to the sponsors for this episode: Granola AI, The AI notepad for people in back-to-back meetings: https://www.granola.ai/shane Check out the Granola Notes here. Learn more about your ad choices. Visit megaphone.fm/adchoices

Morgan Housel: Wealth is What You Have Minus What You Want

Podcast Notes Playlist: Business

Play Episode Listen Later Jan 25, 2026 117:55

Knowledge Project Key Takeaways All wealth is what you have minus what you want. It is way easier to manage the second part of this statement; you can double your income, but it is probably easier to reduce what you want by half The lack of contentment is the seed of progress A good proxy for the health of a country: Can a 28-year-old buy a house?Helping your kids buy a house when they're 30 will give them a much greater boost in life compared to giving them $1m when you die, and they're 70 “Passive income” doesn't exist, and people are attracted to the idea of it because it sounds as though you can make money without doing real work Instead of getting angry about inflation, accept that it's always going to be there and make decisions accordingly – i.e, save earned income in index funds for 10+ yearsSurvival is the key to achieving outperformance in the stock market; if you get average returns over 30 years, you're going to outperform essentially any other strategy Read the full notes @ podcastnotes.orgMorgan Housel breaks down the exact framework he uses to build wealth, minimize financial stress, and buy freedom. While most financial advice focuses on how to get rich, Morgan explains why the skills needed to stay rich are completely different. You will learn why "boring" investing beats complex strategies, how to avoid the social traps that destroy wealth, and the specific equation for finding contentment. Morgan Housel is a partner at Collaborative Fund and the bestselling author of The Psychology of Money. Enjoy! ----- Approximate Timestamps: (00:00) Trailer/Introduction (00:58) What Drives You? (04:50) What Can Money Do For Us? (07:22) Happiness vs. Satisfaction (11:45) Becoming Financially Independent (14:40) Survival and Contrast (20:16) Ad Break (21:05) Investing: Can You Beat the Market? (22:32) When Is The Right Time To Buy a House? (26:45) Housing Affordability and Equity (28:39) Step by Step Investing (35:08) Eras of Life and Spending In Those Eras (43:50) Raising Kids With Money (48:46) Social Media: Expectations and Comparison (55:46) Lessons From the Vanderbilts (01:01:21) Learning From Others Spending Habits (01:07:51) Lessons From History: Depressions, Panics, Downturns (01:11:40) Net Worth in Cash (01:14:20) Passive Income and Financial Independence (01:25:58) Massive Success: Doing It All Again (01:32:27) What Should You Optimize For? (01:38:24) What Do You Splurge On? (01:40:38) What Can History Teach Us About Inflation? (01:47:46) Index Funds Allocation (01:53:36) What Is Success For You? ----- This episode of the Knowledge Project is for informational purposes only. The views and opinions expressed by Shane Parrish or our guests are solely their own. Nothing in this conversation should be considered investment advice, financial guidance, or a recommendation to buy or sell any security. Always do your own due diligence or consult with a qualified financial advisor before making investment decisions. It's time to listen and learn. ----- Psychology of Money: https://geni.us/my3K Morgan Housel X: https://x.com/morganhousel Website: https://www.morganhousel.com/ ----- Upgrade: Get a hand edited transcripts and ad free experiences along with my thoughts and reflections at the end of every conversation. Learn more @ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠fs.blog/membership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ------ Newsletter: The Brain Food newsletter delivers actionable insights and thoughtful ideas every Sunday. It takes 5 minutes to read, and it's completely free. Learn more and sign up at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠fs.blog/newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠------ Follow Shane Parrish: X: ⁠⁠⁠⁠⁠⁠https://x.com/shaneparrish⁠ Insta: ⁠https://www.instagram.com/farnamstreet/⁠ LinkedIn: ⁠https://www.linkedin.com/in/shane-parrish-050a2183/⁠ ------ Thank you to the sponsors for this episode: Granola AI, The AI notepad for people in back-to-back meetings: https://www.granola.ai/shane Check out the Granola Notes here. Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you Rich Yet? Why Families Still Struggle to Feel Wealthy

Emotional Balance Sheet with Paul Fenner

Play Episode Listen Later Jan 22, 2026 12:54

I came across a Wall Street Journal article about families making over $250,000, putting them in the top 10% of all household incomes in the country, who still don't feel wealthy. One family earning $350,000 (in the top 4%) owns two homes, has three kids in club sports, and can't shake the feeling that they're struggling. In this episode, I explore why modern life makes it so hard to feel like you have enough. How our standards of living have improved dramatically, but we've just created different problems. Why kids' activities drain families more than almost anything else. And how the real challenge, as Morgan Housel says, is getting the goalpost to stop moving. This week: Look back at where you started instead of comparing yourself to some moving horizon ahead. Check your household income against national percentiles. You might be surprised how far you've come. Connect with Paul Contact Paul here or schedule a time to meet with Paul here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn and YouTube. And feel free to email Paul at pfenner@tammacapital.com with any feedback, questions, or ideas for future guests and topics. Resources Featured in This Episode: They're in the Top 10% of Earners. They Still Don't Feel Rich. Are You Living a Life Less Ordinary? The Gap and the Gain – Navigating Purpose

struggle rich families wall street journal gap wealthy morgan housel earners life less ordinary are you living

WORK Underlined: It's a Marathon Not a Sprint

Token CEO

Play Episode Listen Later Jan 21, 2026 13:35

Today we are talking endurance.We breakdown the quote: “The trick in any field, from finance to careers to relationships is being able to survive the short-run problems. So you can stick around long enough to enjoy the long-term growth.” from Same as Ever by Morgan Housel's.Housel basically says the real trick is surviving the short-term problems long enough to benefit from the long-term ones. Which sounds obvious until you are in the middle of the short-term problems and losing your mind.In case you were wondering, the short-term problems never go away. They just change shape. Different job. Same stuff. New title. Same annoyances. Different company. Same human behavior.Endurance does not get nearly enough credit at work. Talent gets praised. Intelligence gets rewarded. Big ideas get airtime. But most careers are built by the people who can stay steady when things get boring, messy, repetitive, or just plain annoying.We talk about what endurance actually looks like in real life. Not grit as a poster on the wall, but the ability to compartmentalize, keep perspective, and not spiral every time something goes sideways. Showing up with energy even when you do not feel inspired. Doing the work in front of you instead of obsessing over everything else.We also get into effort. The stuff that takes no talent. Being prepared. Paying attention. Staying focused. Not quitting early just because something got hard or uncomfortable.If work feels heavy right now, if you are tired of the short-term problems and wondering when it gets easier, this one is a reminder that staying power matters.This is WORK. Underlined. Get full access to WORK at erikaayersbadan.substack.com/subscribe

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10 Years of Money Wisdom in 51 Minutes | Morgan Housel

My First Million

Play Episode Listen Later Jan 21, 2026 53:33

Want the 4 money rules that changed Shaan's life? Get it here: https://clickhubspot.com/ugd Episode 787: Sam Parr ( ⁠https://x.com/theSamParr⁠ ) and Shaan Puri ( ⁠https://x.com/ShaanVP⁠ ) talk to Morgan Housel ( https://x.com/morganhousel ) about the art of spending money. Show Notes: (0:00) Intro (10:01) Don't cut your flowers (15:38) the 2 ways to use money (19:07) The freedom number (23:49) Koch brothers story (27:41) Performing for others (33:38) The Total Man list (41:59) the art of spending money (49:42) 10 years of money wisdom in 60 seconds — Links: • Morgan Housel books - https://www.morganhousel.com/ — Check Out Shaan's Stuff: • Shaan's weekly email - https://www.shaanpuri.com • Visit https://www.somewhere.com/mfm to hire worldwide talent like Shaan and get $500 off for being an MFM listener. Hire developers, assistants, marketing pros, sales teams and more for 80% less than US equivalents. • Mercury - Need a bank for your company? Go check out Mercury (mercury.com). Shaan uses it for all of his companies! Mercury is a financial technology company, not an FDIC-insured bank. Banking services provided by Choice Financial Group, Column, N.A., and Evolve Bank & Trust, Members FDIC • I run all my newsletters on Beehiiv and you should too + we're giving away $10k to our favorite newsletter, check it out: beehiiv.com/mfm-challenge — Check Out Sam's Stuff: • Hampton - https://www.joinhampton.com/ • Ideation Bootcamp - https://www.ideationbootcamp.co/ • Copy That - https://copythat.com • Hampton Wealth Survey - https://joinhampton.com/wealth • Sam's List - http://samslist.co/ My First Million is a HubSpot Original Podcast // Brought to you by HubSpot Media // Production by Arie Desormeaux // Editing by Ezra Bakker Trupiano

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Morgan Housel: Wealth is What You Have Minus What You Want

The Knowledge Project with Shane Parrish

Play Episode Listen Later Jan 20, 2026 117:55

Morgan Housel breaks down the exact framework he uses to build wealth, minimize financial stress, and buy freedom. While most financial advice focuses on how to get rich, Morgan explains why the skills needed to stay rich are completely different. You will learn why "boring" investing beats complex strategies, how to avoid the social traps that destroy wealth, and the specific equation for finding contentment. Morgan Housel is a partner at Collaborative Fund and the bestselling author of The Psychology of Money. Enjoy! ----- Approximate Timestamps: (00:00) Trailer/Introduction (00:58) What Drives You? (04:50) What Can Money Do For Us? (07:22) Happiness vs. Satisfaction (11:45) Becoming Financially Independent (14:40) Survival and Contrast (20:16) Ad Break (21:05) Investing: Can You Beat the Market? (22:32) When Is The Right Time To Buy a House? (26:45) Housing Affordability and Equity (28:39) Step by Step Investing (35:08) Eras of Life and Spending In Those Eras (43:50) Raising Kids With Money (48:46) Social Media: Expectations and Comparison (55:46) Lessons From the Vanderbilts (01:01:21) Learning From Others Spending Habits (01:07:51) Lessons From History: Depressions, Panics, Downturns (01:11:40) Net Worth in Cash (01:14:20) Passive Income and Financial Independence (01:25:58) Massive Success: Doing It All Again (01:32: 27) What Should You Optimize For? (01:38:24) What Do You Splurge On? (01:40:38) What Can History Teach Us About Inflation? (01:47:46) Index Funds Allocation (01:53:36) What Is Success For You? ----- This episode of the Knowledge Project is for informational purposes only. The views and opinions expressed by Shane Parrish or our guests are solely their own. Nothing in this conversation should be considered investment advice, financial guidance, or a recommendation to buy or sell any security. Always do your own due diligence or consult with a qualified financial advisor before making investment decisions. It's time to listen and learn. ----- Psychology of Money: https://geni.us/my3K ----- Upgrade: Get a hand edited transcripts and ad free experiences along with my thoughts and reflections at the end of every conversation. Learn more @ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠fs.blog/membership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ------ Newsletter: The Brain Food newsletter delivers actionable insights and thoughtful ideas every Sunday. It takes 5 minutes to read, and it's completely free. Learn more and sign up at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠fs.blog/newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠------ Follow Shane Parrish: X: ⁠⁠⁠⁠⁠⁠https://x.com/shaneparrish⁠ Insta: ⁠https://www.instagram.com/farnamstreet/⁠ LinkedIn: ⁠https://www.linkedin.com/in/shane-parrish-050a2183/⁠ ------ Thank you to the sponsors for this episode: Granola AI, The AI notepad for people in back-to-back meetings: https://www.granola.ai/shane Learn more about your ad choices. Visit megaphone.fm/adchoices

#841 The 9-5 is Dead, This is the Socially Acceptable Lottery Ticket

The Tropical MBA Podcast - Entrepreneurship, Travel, and Lifestyle

Play Episode Listen Later Jan 15, 2026 38:13

Are we actively watching the rise of the degenerate economy? What does it mean for our entrepreneurial behaviors? What does it mean for our portfolios? Does gambling your way to wealth make sense? And what types of trends will emerge and strengthen in 2026? Smart things look stupid for a while until they look smart. Dan and Jeff share their thoughts on the recent viral X article “The Prison of Financial Mediocrity” and their views on the “socially acceptable” risk of entrepreneurship as an escape from the 9-5. LINKS Bento will beat your current email bill — up to 70% off or $300 in credits (https://bentonow.com/tmba) “The Prison of Financial Mediocrity” Full Article (https://x.com/systematicls/status/2004900241745883205) The End of Jobs by Taylor Pearson (Dynamite Circle member!) (https://www.amazon.com/End-Jobs-Meaning-9-5-ebook/dp/B010L8SYRG) The Psychology of Money by Morgan Housel (https://www.amazon.com/dp/0857197681/) Same As Ever by Morgan Housel (https://www.amazon.com/Same-Ever-Guide-Never-Changes/dp/0593332709) The Courage to Be Disliked by Ichiro Kishimi et al (https://www.amazon.com/The-Courage-to-Be-Disliked-audiobook/dp/B07BRPW98K/) Meet lifestyle founders inside Dynamite Circle (https://dynamitecircle.com/) Hang out exclusively with 7+ figure founders in DC BLACK (https://dynamitecircle.com/dc-black) CHAPTERS (00:00:52) The Traditional Path is Closed (00:06:00) The Era of Long Degeneracy & Success Via Risk (00:10:49) Opportunity When the Game is Rigged Against You (00:20:27) The Socially Acceptable Lottery Ticket (00:25:47) Financial Nihilism and Betting on Change CONNECT: Dan@tropicalmba.com Ian@tropicalmba.com Past guests on TMBA include Cal Newport, David Heinemeier Hannson, Seth Godin, Ricardo Semler, Noah Kagan, Rob Walling, Jay Clouse, Einar Vollset, Sam Dogan, Gino Wickam, James Clear, Jodie Cook, Mark Webster, Steph Smith, Taylor Pearson, Justin Tan, Matt Gartland, Ayman Al-Abdullah, Lucy Bella. PLAYLIST: How to Actually Build Systems in Your Small Business ft. Layla Pomper (https://tropicalmba.com/episodes/how-to-build-systems) “The World Is Ending.” These 5 Businesses Are Still Making Millions (https://tropicalmba.com/episodes/the-world-is-ending-9jp7t) Why $120K From Your Biz Beats $150K at a Job (https://tropicalmba.com/episodes/balancing-wealth-freedom-mindset)

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339: Emerging Leaders Share Book Club Insights

NJCPA IssuesWatch Podcast

Play Episode Listen Later Jan 13, 2026 24:39

Over the past six months, participants of the Emerging Leaders Book Club met to explore three powerful titles: Greenlights by Matthew McConaughey, The Psychology of Money by Morgan Housel and The Obstacle Is the Way by Ryan Holiday. Three of the NJCPA members who led the book discussions — Matt Mojica, Brandon Ventura and Lexi Wilson — share why these books were chosen as well as the insights and “aha” moments that inspired them. Topics discussed:Why these three books were chosenCommon themes across the booksInsights that stood outBig-picture messagesHow insights from the books can be applied in your careerFuture of the book club Resources:Emerging Leaders meetings and eventsCareer Development Knowledge Hub

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E377: Money Monday - Getting Wealthy vs. Staying Wealthy

I CAN DO with Benjamin Lee

Play Episode Listen Later Jan 12, 2026 10:11

SummaryIn this episode of Money Monday, Benjamin Lee discusses key insights from Morgan Housel's book, 'The Psychology of Money.' He emphasizes the difference between getting wealthy and staying wealthy, highlighting the importance of a survival mindset in financial success. Benjamin shares practical advice on planning for uncertainty and the significance of having a margin of safety in financial decisions. The conversation encourages listeners to adopt a balanced approach to wealth management, combining optimism with a healthy dose of caution.TakeawaysThere's a difference between getting wealthy and staying wealthy.Staying wealthy requires a combination of frugality and paranoia.Money success can be summarized as survival.Planning is essential, but expect the unexpected.Room for error is crucial in financial planning.A barbell personality balances optimism and caution.Compounding works best when you can sustain good returns.Emergency funds are vital for financial stability.Financial plans should embrace uncertainty.Wealth management is about holding onto what you have.Chapters00:00 The Psychology of Money: An Introduction00:50 Getting Wealthy vs. Staying Wealthy03:44 The Survival Mindset in Finance07:29 Planning for Uncertainty and Margin of SafetyBlogs, Books, Newsletter: https://benjaminlee.bloghttps://biblebenjaminlee.comYoutube: https://youtube.com/@icandopodcast?si=U6AMkwyhNtBRJJRX

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290. How Top 1% DENTIST manage their money?

TLP Podcast For Dentists

Play Episode Listen Later Jan 5, 2026 37:07

Dentists are taught to equate success with production, income, and constant growth. But many high-achieving practice owners still feel stressed, restless, or burned out. In this episode of The Lifestyle Practice Podcast, Dr. Derek Williams sits down with repeat guest Dr. Talon Davis to explore a better framework for wealth, ambition, and fulfillment through the lens of Morgan Housel's book The Art of Spending Money. They discuss how dentists often use money as a status scoreboard, why lifestyle inflation happens even when income rises, and how contentment can be engineered through intentional choices. You'll hear practical insights about financial mindset, goal-setting, and designing a dental career you don't need to escape. This episode is especially relevant for dental practice owners, associates considering ownership, and anyone looking for sustainable dental business growth without sacrificing mental health or family time. If you're questioning whether your next milestone will actually make you happier, this conversation will help you reframe success and build a lifestyle-driven dental practice with clarity. Connect with us: • Learn more about 1 on 1 coaching • Get access to TLP Academy • Subscribe to The Lifestyle Practice Podcast • Email Derek at derek@thelifestylepractice.com • Email Matt at matt@thelifestylepractice.com • Email Steve at steve@thelifestylepractice.com

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E370: Money Monday - Understanding the Psychology of Money

I CAN DO with Benjamin Lee

Play Episode Listen Later Jan 5, 2026 10:40

SummaryIn this episode, Benjamin Lee discusses the key themes from 'The Psychology of Money' by Morgan Housel, focusing on the psychological aspects of money management, the evolution of work and retirement, and the importance of financial literacy. He emphasizes that many financial tools and concepts are relatively new, leading to a lack of experience in managing money effectively. The conversation highlights the need for a shift in mindset regarding money, saving, and spending, encouraging listeners to reflect on their own financial narratives and behaviors.TakeawaysMoney is often not how much we make, but what we do with it.The psychology of money plays a crucial role in financial decisions.Retirement as a concept is relatively new in history.Many people struggle with saving due to psychological barriers.Education and financial literacy are essential for better money management.Impulse shopping can lead to financial troubles.Understanding one's own money narrative is important.Work is a blessing and should be viewed positively.New financial tools can be overwhelming for many.Budgeting can help individuals realize they have enough money. Chapters00:00 Introduction to Money Psychology03:15 Historical Context of Work and Retirement06:12 Education and Financial Decisions09:33 The Psychology of Money Management

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Episode 476: Come On Up To The House With Our Annual Portfolio Reviews For The Very Good Year Of 2025

Risk Parity Radio

Play Episode Listen Later Jan 4, 2026 50:44 Transcription Available

In this episode we conduct our annual portfolio reviews of our eight sample portfolios you can find at Portfolios | Risk Parity Radio, and compare them with commercial alternatives. We discuss why factors beat geography, and explain how gold, bonds, and managed futures improved results and withdrawal durability.We also confront the real roadblock to a good retirement: underspending driven by identity and fear, which we heard about in 2025 from Bill Bengen, Michael Kitces and Carl Richards, Morgan Housel and David Bach, among others.Breathless Unedited AI-Bot Summary:The biggest retirement risk most prepared savers face isn't market volatility—it's not spending enough. We dig into why identity and fear keep people stuck in “I am a saver” mode, and how to break that habit with a portfolio built for higher, safer withdrawals. Then we open the books on eight sample portfolios and share what actually worked in 2025: factor-driven international exposure, a powerful year for gold, the yield curve's shift favoring intermediate bonds, and a split decision for managed futures where DBMF led.You'll hear how the Golden Butterfly and Golden Ratio outperformed classic 60/40 approaches by leaning on uncorrelated return drivers, and why DIY risk parity designs can match or beat commercial funds at lower cost. We walk through the conservative All Seasons mix, the diversified Risk Parity Ultimate, and two leverage case studies: one that shows how leverage without real diversification can disappoint, and another that demonstrates smart “return stacking” with OPTRA—combining modest leverage, gold, value tilts, and managed futures for equity-like returns with a steadier ride.Along the way, we connect portfolio choices to what matters most: turning savings into a life well-lived over the next decade. A candid listener story reminds us that time is finite, and that a better withdrawal rate is not a luxury—it's a plan for joy, relationships, and experiences now. If you've wondered whether your mix underuses factors, overlooks gold, or over-relies on 60/40 assumptions, this is your field guide to a sturdier, more generous retirement strategy.If this resonates, tap follow, share it with a friend who needs a nudge to spend confidently, and leave a quick review with your biggest portfolio question. Your next ten years will thank you.Support the show

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Are Personal Finance Gurus Giving You Bad Advice? (Update)

Freakonomics Radio

Play Episode Listen Later Jan 2, 2026 60:39

One Yale economist certainly thinks so. But even if he's right, are economists any better? We find out, in this update of a 2022 episode. SOURCES:James Choi, professor of finance at the Yale School of Management.Morgan Housel, personal finance author and partner at the Collaborative Fund. RESOURCES:The Art of Spending Money: Simple Choices for a Richer Life, by Morgan Housel (2025).“Popular Personal Financial Advice versus the Professors,” by James J. Choi (Journal of Economic Perspectives, 2022).“Media Persuasion and Consumption: Evidence from the Dave Ramsey Show,” by Felix Chopra (SSRN, 2021).The Psychology of Money: Timeless Lessons on Wealth, Greed, and Happiness, by Morgan Housel (2020).“In Bogle Family, It's Either Passive or Aggressive,” by Liam Pleven (Wall Street Journal, 2013). EXTRAS: “Harold Pollack on Why Managing Your Money Is as Easy as Taking Out the Garbage,” by People I (Mostly) Admire (2021).“People Aren't Dumb. The World Is Hard,” by Freakonomics Radio (2018).“Everything You Always Wanted to Know About Money (But Were Afraid to Ask),” by Freakonomics Radio (2017).“The Stupidest Thing You Can Do With Your Money,” by Freakonomics Radio (2017). Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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The Besties of 2025

Rule Breaker Investing

Play Episode Listen Later Dec 17, 2025 84:58

t's the 50th week of the year, which means it's time once again for the Besties—a celebration of the episodes that educated, amused, and enriched us most in 2025. David highlights ten standout episodes from this year, revisiting the ideas, stories, and lessons that lingered long after the microphones were off. And all of the voices behind those moments return for brief cameos, reflecting on the year that was and looking ahead to what comes next. From Authors in August and a Market Cap Game Show world championship, to character, community, games, and the many ways listeners took concrete steps toward financial freedom, this episode captures the breadth of what Rule Breaker Investing aims to be: thoughtful, optimistic, playful, and practical. A year in review — not ranked, just remembered. Companies mentioned: VKTX Sign up for The Motley Fool's Breakfast News here: ⁠www.fool.com/breakfastnews⁠ Order David's Rule Breaker Investing book here: ⁠https://www.amazon.com/gp/product/1804091219/ Host: David GardnerGuests: Andy Cross, Chris Hill, Emily Flippen, Morgan Housel, Randi Zuckerberg, Rick Engdahl, Sam Horn, Sem Verbeek, Shirzad ChamineProducer: Bart Shannon Learn more about your ad choices. Visit megaphone.fm/adchoices

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Ep 238: My book review of The Art of Spending Money by Morgan Housel

rich & REGULAR with Kiersten and Julien Saunders

Play Episode Listen Later Dec 16, 2025 20:48

Kiersten here. This week's episode is a solo one, and it's inspired by a book I just finished called The Art of Spending Money by Morgan Housel. If you're familiar with The Psychology of Money, you already know Morgan's style: short chapters, clean sentences, and big ideas. This new book is about spending but not the kind most people are struggling with.In this episode, I unpack:Who this book is really forTwo core takeaways that stuck: the psychology of contrast and the sustainability of contentmentA personal reflection on second Christmases, cultural context, and spending through the lens of joyA nuanced breakdown of how happiness is framed in the book and why that definition isn't one-size-fits-allI wouldn't call this a summary per se, it's a review with a little reflection, a little pushback, and hopefully a fresh lens for whatever season you're in.Hit play and let me know what you think. Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

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793. When Comparison Steals Contentment

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