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3 years ago I discovered a secret the
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key to getting isn't about living
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life at the extreme like waking up at
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4:00 a.m. to get ahead of the
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competition or taking a daily ice bath
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to wake up your senses it's actually
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about forming micro habits tiny habits
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that you follow consistently these small
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habits compound over time and not only
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have a big impact on your finances but
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also on your physical mental and
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emotional well-being so in this video
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I'm going to share with you 17 micro
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habits that have completely transformed
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both my finances and other areas of my
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life and also share tips on how you can
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apply them to your own life as well
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let's dive in number one create more
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than you consume according to the author
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of Rich habits the Daily Success habits
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of wealthy individuals the wealthiest
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people in the world create more than
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they consume Thomas corley's research
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found that 67% of wealthy people watch
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TV for 1 hour or less each day compared
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to 77% of people who are struggling find
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financially who watch TV for 1 hour or
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more each day instead of being glued to
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the Box think about how you can create
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something when you create something you
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develop your knowledge your skills your
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experience more than you ever will
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through consuming so to make creation a
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habit start more maybe just 15 minutes a
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day doing something that you enjoy this
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could be something like starting that
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YouTube channel that you've been
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thinking about writing short stories or
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even learning basic coding or something
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through fun apps then to make sure
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you're on track do a regular audit of
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your creation time versus your
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consumption time it should always show
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that you're creating more than you're
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consuming number two create distance
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from the wrong people there's a saying
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that is you are the average of The Five
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People You spend the most time with and
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this has really struck a cord with me I
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can't stress this enough if you find
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yourself surrounded by people who are
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always talking about other people or
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putting someone else down or complaining
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find a way to create distance from that
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because as long as that's around you
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you're going to absorb that thinking and
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it's going to be really hard hard to
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make any drastic changes to your life
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you can tell how successful someone is
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going to be by the size of the problems
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or by the kind of problems they face
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find people whose problems are about how
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to build more wealth the way they do it
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how to solve a problem how to overcome a
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challenge they're facing it's hard to do
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this if you are just starting out and I
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know two years ago when I was trying to
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find a place where I can tap into a new
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Circle I wasn't really able to be in the
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places that was able to do that so my
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closest Circle became books podcasts
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YouTube channels the internet makes so
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much easier to shift your average number
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three create an icon do this file I
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record almost everything whenever I
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achieve something significant I write it
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down whenever I reach an important
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Milestone I write it down whenever I'm
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Paralyzed by fear or doubt about
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starting something new I write that down
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I remember my first live session on this
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channel being super nerve-wracking but I
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went through it anyway and I saved the
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whole process from my fear and my doubt
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to how I felt after I did it to all the
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positive feedback I got after after it
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and how it was received I put my entries
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into a tab on my notion workplace
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labeled I can do this and it's just a
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motivation toour that reminds me about
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how I'm overcoming things and what I'm
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capable of life has its inevitable Peaks
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and troughs and on my down days just
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revisiting that foul helps to put some
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pep back in my step and motivates me to
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reach New Heights number four show
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gratitude I used to think gratitude
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journaling was a little bit cheesy until
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I came across Dr sfia godkin work and
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she really highlights that the secret to
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happiness begins with gratitude so I
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started keeping a gratitude Journal at
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8:00 p.m. every evening I get a
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notification from my day one app and I
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love using my phone for this because
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whenever the notification pops up I can
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just quickly add an entry and then I
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pick a photo that I've taken that day or
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I take one at that moment and I write
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the day's highlights and what I'm
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grateful for it could be something as
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simple as getting the perfect coffee or
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a thoughtful message from a friend or
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making it to a workout what I've learned
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is that your mind attracts what you
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focus on when you actively look for good
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things that's when life starts to shift
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instead of overthinking what went wrong
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I'm always trying to notice the little
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things that went right so if you want to
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try it set a 5 minute evening reminder
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and just jot down one thing from your
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day that you're grateful for if you're
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like me and you prefer digital over
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paper highly recommend trying out the
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day one app number five automate these
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two things Warren Buffett famously said
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do not save what is left after spending
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but spend what is left after saving I
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take this principle even further by
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adding investments into the mix do not
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save and invest what is left after
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spending but spend what is left after
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saving and Investing For example I've
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set up a system where every month a
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fixed portion of my income automatically
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is directed into my savings and my
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investment accounts before I could even
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spend a single penny during this has
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benefited me in two main ways firstly I
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consistently grow my finances without
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having to Rack my brain trying to
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remember when to make manual transfers
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especially when things get busy and
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secondly automating transfers means I'm
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less likely to make imp purchases like
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that limited time only that turns out
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not to be such a great deal in The Cold
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Light of Day number six get specific
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every year without fail I write down one
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big Financial goal and when I do I like
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to be really specific why because the
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more specific you are about your goals
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the more likely you are to achieve them
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so rather than stating a general
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intention like I will save more money I
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tend to be more specific such as I will
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save 30,000 for a down payment for my
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forever home by the end of 2027 so as
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well as keeping me motivated I mind
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being specific with my financial goals
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helps me break them down into smaller
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and more manageable Milestones so in my
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example of saving 30,000 by the end of
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2027 I might aim to put away
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1,250 each month in order to hit my
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Target in two years number seven audit
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these three buckets I've made auditing
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my spending a Cornerstone habit
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quarterly for my business and monthly
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sometimes weekly if I can for my
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personal accounts and I categorize every
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expense into three buckets fundamental
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which is your essential needs fun which
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is your lifestyle choices and future
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which is investments in your growth and
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the future you what I love about this is
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it's not just about tracking it's about
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intentional living the intentional
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spending tracker that I use shows me in
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real time how I'm doing against my goals
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whether I'm overall under budget and
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exactly how much I have left to spend
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when I do this it's like having a
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financial compass that keeps me moving
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in the right direction I saw someone on
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Tik Tok talking about how budgeting is
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like being on a strict diet well I
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actually argue that it's quite the
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opposite I find it's incredibly
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empowering no matter how much you earn
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to have some clarity about where your
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money is going and when that kind of
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clarity helps you make financial
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decisions with confidence if you want to
00:06:41
use my intentional spending tracker is
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completely free it'll make it easy to
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categorize your expenses and spot areas
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where you might be overspending plus it
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also will tell you how much you have
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left to spend that month to keep on
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track with your goals number eight learn
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something new about money weekly you
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know that saying knowledge is power well
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Warren Buffett once again puts it even
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better he says the more you learn the
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more you earn every week I block out
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just one hour maybe during my lunch
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break maybe after dinner to learn
00:07:08
something new about money it's not a
00:07:09
huge commitment but it makes a real
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difference So currently I'm deep diving
00:07:13
into behavioral Finance understanding
00:07:15
how our early experiences shape our
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money mindset and it's really
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fascinating to see how childhood
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experiences even from as young as age
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seven influences whether someone becomes
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a confident investor or feels anxious
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about spending there's always something
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something new to learn and every little
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bit of financial knowledge adds up
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whether it's learning about a new
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Investment app or understanding how to
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negotiate better these small lessons
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keep opening up new Doors number nine
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stop caring about opinions everyone
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cares about the opinions of others to
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some extent and it's one of the most
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difficult habits to break free from but
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when you do you start venturing out more
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and you start taking bigger risks one
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thing that helped me overcome this and
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stop caring too much about the opinions
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of others is asking myself this simple
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question in the grand scheme of achiev
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my life's goals how important is this
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person's opinion if the answer is not
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very important or something similar I
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become laser focused on what I want to
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achieve and how I wanted to achieve it
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based on my own values not the opinions
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of others number 10 understanding the
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yes trap learning to say no has been a
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really hard one for me to do and
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according to research published by its
00:08:20
Psychology today I'm not alone we all
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feel this way to a lesser or greater
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extent it's a phenomenon psychologists
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call the yes trap it's a deep rooted
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feeling that we should always say yes to
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requests to invitations to Opportunities
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even when our plates are already full
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the consequence of the yes trap includes
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burnout it includes resentment and it
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includes neglecting self-care but
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there's also missed opportunities by
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saying yes to everything we lose out on
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pursuing opportunities that might
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actually align with our goals a lot more
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something I found that really helped me
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with this is really crystalizing my
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goals when you able to get so clear on
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your goals you're able to beat the yes
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trap because it became easier to say say
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no to anything that didn't further them
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so step one get really clear on your
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goals step two whenever a new request
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comes in ask yourself will this help me
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achieve my goals or is it a potential
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distraction number 11 invest in yourself
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I always say that the best investment
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you can ever make isn't in stocks in
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Commodities or even real estate it's in
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yourself this is because the Returns on
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self-investment compound in the same way
00:09:21
that financial investments do their
00:09:22
benefits add up over time so whether
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you're pursuing your education you're
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improving your Fitness or you're
00:09:28
practicing selfcare putting yourself
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first is always a Sound Investment
00:09:32
talking of self- Investments I wanted to
00:09:34
share something with you that's made a
00:09:35
massive difference in my life and that
00:09:37
is today's sponsor brilliant it's an
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amazing online learning platform that
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love about brilliant is how it helps you
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develop a powerful learning Habit in
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just a few minutes a day plus it makes
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it easy to learn when you're on the Move
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whether you're doing a deep dive into a
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new topic or having a short practice
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session you can learn on the phone right
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where you are recently they launched a
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ton of new data science content all of
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which uses real world data to train you
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decisions knowing how to read and
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understand data is literally one of the
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most important skills you can have in
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almost any industry and what I love
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about the content on brilliant is that
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you're learning the skill by working
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I've also linked it in the description
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or by scanning the QR code on the screen
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12 diversifying your financial life
00:10:59
through multiple income streams why
00:11:01
because a most millionaires you meet
00:11:03
will have multiple income streams and it
00:11:05
really is a Cornerstone in Building
00:11:07
Wealth and B if one of your income
00:11:09
sources take a hit others can make up
00:11:11
for that shortfall allowing to keep your
00:11:13
cash flow healthy today my online income
00:11:15
comes from things like brand
00:11:17
sponsorships affiliate marketing YouTube
00:11:19
AdSense Investments my own products if
00:11:21
you're wondering about how you can go
00:11:23
about creating a second income stream
00:11:24
take stock of your skills your
00:11:26
experience your interest and think about
00:11:28
how you can potentially monetize them
00:11:30
I've also got another video here which
00:11:32
goes into a lot more detail about
00:11:33
potential ways that you can monetize
00:11:35
your passion but what I want to add here
00:11:37
is that fight the temptation to create
00:11:39
multiple income streams at the same time
00:11:41
start with one and then just go from
00:11:42
there once that one is self- sustaining
00:11:45
then you can consider moving on to other
00:11:47
opportunities number 13 simplify
00:11:50
decision making Steve Jobs was known for
00:11:52
wearing his iconic black turtleneck blue
00:11:54
jeans and New Balance trainers and then
00:11:57
when Mark Zuckerberg came onto the scene
00:11:58
he often wore gray t-shirts and jeans
00:12:01
they both had the same idea they wore
00:12:02
the same outfit each day to reduce
00:12:04
decision fatigue saving their decision-
00:12:06
making energy for more pressing matters
00:12:08
I've applied this to my own life by
00:12:10
wearing a select few clothes during my
00:12:13
working hours or specifically during
00:12:14
when I'm filming content by automating
00:12:16
these repetitive tasks means there's
00:12:19
less friction in me actually sitting
00:12:21
here and recording it saved me a ton of
00:12:23
time but also a fair amount of money too
00:12:25
so think about what areas of your life
00:12:27
can you streamline to try and buy back
00:12:29
more time and more energy number 14
00:12:32
network with intent I did a podcast
00:12:34
recently with Chris Donnelly who just
00:12:36
launched a new business and made 10
00:12:38
million in his first year and he made a
00:12:40
really good point in that podcast where
00:12:42
he went through a phase in his business
00:12:44
where he was reaching out to 50 or more
00:12:46
people a month or asking other people to
00:12:48
introduce him to someone and he really
00:12:50
stressed the importance of the who
00:12:51
factor in everything that we do so while
00:12:53
I did know this was a thing and I did
00:12:56
know the importance of it the way he
00:12:57
scaled his business just made made me
00:12:59
realize how much of a factor it can be
00:13:01
I've definitely become a lot more
00:13:03
intentional with it now and I've been
00:13:04
putting myself out there more and
00:13:05
reaching out more to people who I love
00:13:07
to connect with you never know who that
00:13:09
person can be that can unlock a new
00:13:11
opportunity for you and one thing to
00:13:12
stress here is that it's not just about
00:13:14
what you can get but also about what you
00:13:16
can give so to truly stand out have a
00:13:19
think about how you can add value to the
00:13:21
person that you're reaching out to by
00:13:22
being intentional and adding value you
00:13:24
can maintain and establish relationships
00:13:26
that lead to incredible opportunities
00:13:28
both ways way either immediately or
00:13:30
somewhere down the road number 15 take
00:13:32
action before you feel ready there's no
00:13:34
perfect time to start something new
00:13:35
you'll never feel completely ready and
00:13:37
Tomorrow Never Comes so whenever a good
00:13:39
idea comes to mind I try not to
00:13:41
procrastinate I just take a leap of
00:13:43
faith and get the first step underway
00:13:45
when I do that I may hit some home runs
00:13:47
but I'll also very likely make some
00:13:49
blunders too which I learned from along
00:13:51
the way and that's okay it's all part of
00:13:53
the parcel of the learning process the
00:13:55
key takeaway is to trust your gut and
00:13:57
just take that first step even if you
00:13:59
don't feel ready for it number 16 ask
00:14:02
the questions research shows that over
00:14:04
45% of Americans don't talk about money
00:14:07
with their family friends or their
00:14:08
spouse or Partners but the same research
00:14:11
states that 66% of Americans believe
00:14:13
that conversations about money are key
00:14:16
to achieving Financial Freedom most
00:14:17
people don't like to talk about money
00:14:19
but if you want to achieve your
00:14:20
financial goals that's exactly what you
00:14:22
have to do more of having conversations
00:14:24
about money doesn't have to be about
00:14:25
comparison it can be focused on
00:14:27
understanding people's Financial values
00:14:28
and learning their strategies you can
00:14:30
kick off a financial conversation in a
00:14:32
very casual way in a non-intrusive way
00:14:34
by asking open-ended questions like I've
00:14:36
been thinking about budgeting lately how
00:14:38
do you manage yours next time you meet
00:14:40
up with a friend try a financial
00:14:42
conversation starter and be willing to
00:14:44
share your own perspective and
00:14:45
experiences as well number 17 the 1%
00:14:48
progress rule this rule is about making
00:14:50
small consistent improvements to your
00:14:53
financial situation each month this
00:14:55
could mean increasing your rate of
00:14:57
saving trimming expenses or finding
00:14:59
creative ways to boost your income
00:15:01
here's the thing even a tiny 1%
00:15:03
Improvement every month adds up to
00:15:06
meaningful meaningful results over time
00:15:08
just by doing this you're setting
00:15:10
yourself up for long-term financial
00:15:12
success without feeling overwhelmed stay
00:15:14
consistent and watch those small changes
00:15:16
lead to Big progress give it a try and
00:15:19
see the difference that it makes that's
00:15:20
it there you have 17 micro habits that
00:15:23
will change your life forever if you
00:15:24
enjoyed this video don't forget to
00:15:26
subscribe it really helps out this
00:15:27
Channel and helps me keep making more
00:15:29
content thank you so much for watching I
00:15:31
see you next week
![[CFD] Conservative, Advective & Material Derivative forms of the Navier-Stokes Equations](https://ruhnrawpgxrzdrgaohnf.supabase.co/storage/v1/object/public/images/video/ljdv4T2U464/thumbnail.jpg)
