درس اصلی

I wanna buy a house…

I’m broke…

I wanna buy a car…

I’m broke…

I wanna travel…

Don’t even say that.

I’m broke.

Have you ever had this experience

no matter how much money you make

still you don’t have enough.

I know

the dollar’s price is increasing constantly.

I totally get it.

But this is out of our control.

Let’s talk about what we can control.

Maybe we shouldn’t be as broke as we are now.

I wanna talk about my own experience.

The reason I never had enough money, was me!

I fell for three common money mistakes

that a lot of people may make.

And I think if we don’t correct these mistakes

we’ll end up being in the exact same situation every time.

So let’s tackle these mistakes.

Mistake number 1:

You’re succumbing to lifestyle inflation.

What is lifestyle inflation?

It is when you start making more money

and then as a result you start spending more money.

“oh now my salary is 3 million tomans

so now I can afford that sneaker I’ve always wanted to buy.”

or “I’m making 1 million more this month

so let’s buy some accessories for my car”

This comes from the fallacy of saying

“okay rich people have nice things

and since I’m making a bit more money

and getting a bit more richer myself

then I should buy nice things like rich people.”

But they have a lot of money

and they are making a lot of money out of that money.

But you my friend?

You have money now, but

when you spend it

you don’t have money.

Speaking of the obvious, right?

We all already know this.

But how to solve it?

We as humans have something called the hedonic treadmill.

Here’s how it works:

We always have a starting point.

when we get super happy or really sad

after a while we’ll recover

and get back to our neutral emotional state.

This is the hedonic treadmill.

You spend money you get super happy

but after a couple of days

after a while

you’ll get back to your neutral emotional state.

You buy a car and be like yeeeaah

Let’s drive this baby.

But after a month you only feel like:

I have a car!

Which brings us to mistake number two

You don’t pay yourself first

Each month you pay the internet company

the boutique guy from the street nearby

for eating out and so on…

You spend your hard-earned cash like

like it’s nothing.

You’re paying all these people

you won’t get rich when you don’t pay yourself first.

Give yourself some of that income.

Why does everyone else have to take it?

Studies have shown that each individual

regardless of their financial situation

can afford to live on 90% of their monthly income.

Let’s say you only make 3 million tomans

so you can live with 2 million and 7 hundred thousand tomans.

I guarantee you’ll find a way to make it work.

I don’t know, maybe you can make food at home

and take it to work or

instead of buying water at the gym

you can bring a bottle of water from home

or whatever…

Just take this 10 percent

and save it for yourself.

Maybe you can use this 10% to pay off your debt.

I don’t know

use this 10%

for something that is going to help you improve your life

in the future.

So remember

You pay yourself first.

Mistake number 3:

falling for consumer traps

Let’s say you have a very good phone.

You watch a review of the latest smartphone.

The reviewer says:

this is the time to buy this amazing smartphone.

Suddenly this comes into your mind

that it’s gonna be cool to buy this phone.

You have some extra million tomans in your bank account

and boom

you pay and buy it.

But here’s the funny part.

The whole day

you haven’t thought a single time about buying a phone.

You watched that review and suddenly you felt like

“oh, I need this phone.”

if you wouldn’t have watched that video

you would have that extra money and become richer.

But come on guys…

really?

Do you really need that phone?

No

You already have a good phone.

A good pair of jeans

a good pair of boots…

In the book atomic habits by James Clear

he talks about this phenomenon of

“will power is for losers”

Most successful people don’t rely on their willpower.

They remove what is bad in their lives.

So remove that review guy who tickles you all the time

to go and buy that product.

You don’t need that dude.

If you want to buy a new phone

yeah

maybe you need to watch some of these videos

but

not all the time.

you don’t need to subscribe to his posts.

By the way, you can read this amazing book

Atomic habits By James Clear

on Zabanshenas.

Check out this link

or the link in bio.

Okay ladies and gents

that’s it for today.

Be careful with your hard-earned money.

You can get a bit richer.

I promise you.

See ya.