[Music] money can be a controversial topic but thanks to the internet there are a few Financial fails that everyone can relate to so I'm going to talk through six popular social media posts that I put out there that were memes of our favorite celebrities and TV shows and some good money lessons that we all need to learn and spoiler alerts the last one just is one of my favorites and I can't wait to show you so make sure to like And subscribe and share this episode with a friend okay we can trauma Bond over money fails can't we like everyone knows and everyone feels like the times in life where you're like oh that was a mistake or this is hard when it comes to our money and we all feel that and so learning these lessons is important and some of these memes are really are going to help us and so here is the first one Miss Kim Kardashian that stuff I don't care to show off like the way that I used to it's just not who I am anymore you guys I just can't even all these Diamonds oh my gosh this one makes me laugh all the time okay this of you list on podcast it's Kim Kardashian in the first part it's like before I get paid and she's with Ellen generous like in like a pretty simple like you know brown dress and she's like listen I just don't care about this stuff and then it flashes to her going to this like extravagant wedding I think in like India or something it's just all these diamonds everywhere and it says after I get paid and so listen we all feel that don't we I mean like you get to the end of the month and you're like oh my gosh I just I'm not going to let stuff I'm not going to be materialistic I'm not going to buy things I don't need I'm like this is not where I'm putting my worth and what I'm putting my mind and then paycheck hits the account and you're like I am rich I am going to go shopping so listen what you believe about money regardless of before payday after payday you know during maybe a hard season with money or an abundant season with money you have to have consistent values because money can sway us right if you have an abundance of it you feel like oh we're just going to party and then you end up spending more than what you realize so again being consistent regardless of where you are with money is really key but thanks Kim for helping us out all right here is the second meme you don't have enough money okay right here says right here in this this account we have $401,000 jackpot you missed it nope uh that says you have a 401k account okay so this one says me checking to see if I can retire in 2025 and it's Amy Po and will frell sitting down with what looks like they're you know accountants or something and $401,000 but no that is a 401k there's going to be all this jargon all these theories out there but understanding retirement investing is really really key because a lot of people that I feel like more and more I'm hearing are getting to their 50s and their 60s and they're like hey we want want to retire and then they realize oh I don't I don't have enough money to retire so it is very important to remember to pay off all of your debt get a fully funded emergency fund and then start funding 15% of your income into retirement a 401k just like will frell and Amy po had fantastic okay so your 401k is a great option a Roth IRA is also great but investing in retirement is so key all right the third meme with my girl Taylor Swift and Britney momes [Music] okay so this one says you check your big account after girl math said to buy more for free shipping and they're like all excited anticipation and then ah the defeat and the disappointment in life so yes this is real you guys man it the way that companies can get you to buy things is like paron I mean people are so good now at getting you to spend money so whether it's you seeing an influencer on social media or maybe it's the free shipping whatever it is listen have a plan ahead of time and just know number one what is in your account to know okay do I have the wiggle room to buy this and then also budget and so that you really do know exactly the amount of money per category in your life so that you're not waiting on pins and needles and then all of a sudden it's like this shock factor of oh my gosh what did I do so that is so key but every dollar is like the best budgeting app too so if you need a great app to help you when it comes to your budget make sure to check out every dollar I'll put a link down below all right next is coming from my all-time favorite TV show Friends and this is with Monica and Rachel comes and that's every bit as hard as the night and then the Night Comes again okay so this one is Monica and Rachel sitting at the kitchen table and it says when you're trying not to spend money and it's just like the nights are the hardest and then the day comes and it's just it's just so hard and listen cutting back expenses for a season it is hard like when you are used to a certain level of living and you're spending but then you're realizing oh hold up I don't like how I'm dealing with money I don't like the results of my habits with money I want to do something different and so for a lot of people it's like yeah I'm going to start paying off debt I'm going to actually start budgeting I'm going to actually start doing some of these things which means usually in the short term you're going to be cutting back your expenses and this is just for a season but let me just encourage you you'll find a new normal okay this is this is not for the long term it's just for the shortterm to get your feet up under you and possibly like you know get some margin back in your budget to do things like pay off debt or to have savings that kind of thing so in the long grun it is worth it but yes it is difficult in the nights and in the day just like Rachel said now one expense that doesn't have to break the bank and it's 100% worth it though is delete me so delete me is an incredible service that goes in and removes your information online because you may not realize it but so much of our life is online and because of that we are putting out our info all the time it's like names and addresses and all of that and so what happens is the internet keeps all of this and more like it's crazy what people can find out about you from like addresses home addresses not even your current one your current one and maybe the house you used to live in uh even your employer like I mean all of these things are out there for the internet to have and we don't like that because what ends up happening is companies will take your information and sell it to other companies and then you get spammed and scammed and all of it so you can save 20% on delete me plans which works out to be only about $9 a month so go to join delet me.com Rachel to sign up today or click the link in the description all right number five is one of our favorites Michael Scott from the office this is the worst just the pain the pain in his face so it says when you're making more money than ever but still can't can't afford anything yes oh man this is true it is the worst it is the worst and I think what ends up happening is that your habits they go with you and so if you're not at a point where you're like really intentional with where your money's going the more money you make that means the more money is going to disappear as you make more money because you're not intentional with it right and lifestyle creep and like oh I'm earning this now so now we can do this and it ends up eating into your income and so whenever you get to this point of your income goes up be intentional with that margin like whatever that difference is and I want you to enjoy some of it now if you're still getting out of debt or still trying to build an emergency fund yeah use that raise or that bonus you got to help you get ahead with those goals but overall if you're like yes I'm making more money so I'm going to increase my lifestyle a little bit we're going to save a little bit more we're going to give a little bit more so it can feel like that for sure but don't let lifestyle creep steal your income all right number six do it anyway we're going to do it anyway okay just a man s we're going to do it anyway and it says when the money's tight but the shoes are on sale we're going to do it anyway oh man listen sales are great but just don't let the impulsive emotions steal your peace and what happens is like oh it's a sale it's a great deal I'm going to get a great deal on it and so you just go and buy and then maybe you look up and you're like oh I didn't really need that why did I do that so remember marketing they're they know what they're doing they know what they're doing all right you guys well it's always nice to have a little bit of lighthearted fun when it comes to just the struggles of money at times and thank you to the internet and the wonderful memes that get us through laughing but if you are serious about Building Wealth make sure to check out my episode 5 simple habits for Building Wealth you can check it out here or if you're listening on podcast I will leave a link below all right you guys remember to take control of your money and create a life you love
