Get rid of of your 'I wants'. I had said that to myself before. Replace them with 'I am doing'. I said that to myself as well. There is a lot of self talk. Some times you can motivate yourself with the simple switching of words and other times you can not. When motivation comes unencumbered by self doubt, editing, and hesitation, hold on to it. Work with it, Dance with it, Find your stride. Simply share what needs to be shared... and only that.
This laptop is super sexy. In the world of architecture where rendering programs such as Lumion and Twinmotion are GPU hogs, needing a machine that can handle that task is very necessary. You can't even play with these programs without hitting the minimum threshold of system requirements.
I really like this review by Andrey Lebrov he is a CG artist that does work that pushes this machine to the extremes. Much more than I will ever. His review gives me confidence on the possibilities.
Producers !llmind and Statik Selektah sit down with GENIUS for an interview that digs deeper into how producers and songwriters are getting paid. It an interesting discussion on how someone can make it as an independent producer as well as of tactics on how to see the full potential on revenue streams.
Great to see these two get together for a video. This an interview with Casey Neistat directly all the questions to Mr. Beast. It was probably less than a year ago i found out about Mr. Beast and his crew. In an odd way his videos were hypnotic. I remember spending all night watching all the crazy videos where he was gifting exorbitant amounts of money to random people he found online. It was incredible. Same with a lot of the wild stunts he did. I find a lot youtube prankters to be a little egotistic. With Mr. Beast I didn't find that, he was kind to people in his videos as well as to allowing the viewer behind the screen to enjoy in all the fun surprising interaction he got into.
Before getting into any deep thoughts on money management.
Simply set an amount per paycheck you can live without. Set your account to
automatically direct these funds to your savings account every pay period.
Leave this account out of sight and out of mind. This is not meant for spending
or even as a buffer. Create an emergency fund and leave that as a buffer in
your checking. Simply don’t touch your savings until it’s necessary. All banks
have restrictions on how many withdrawals you can make from your savings.
Stay away from credit
I got my first credit card when I was 31. I am happy I
resisted it this long. Google the word obfuscate. Credit cards help to render
your financial management into confusion aka obfuscation. It’s not worth the
hassle. Keep it simple, spend only what you have. If you chose to forgo this
advice, since there are some great benefits of having credit. Pay off your
entire balance to zero at every statement. Not just the statement balance, I
mean it, to zero. If you credit card is currently a debt, start aggressively
pay it down.
You need to know what is coming in and what is going out.
Print out your last two months of bank statements. Create a spreadsheet and
figure out what is your monthly take home pay income and what are your
recurring monthly expenses. (Round up to the nearest dollar) Budget for eating
out, groceries, gas, and other predictable monthly expenses, round up. List out
all your recurring annual expenses, divide that number by 12. Now you should have
a rough idea of you expenses and what you have left over for spending and
saving. Once you figure out your savings goal treat it as an expense, it’s
important to never perceive your savings as spending money.
To save or to pay off
First save $1000, this will be your emergency fund if your
car breaks down or any miscellaneous repairs. Then start a goal to save roughly
3 months of living. Do this based off your current lifestyle. If something goes
wrong with your job you got 3 months to continue living your normal lifestyle
or you can pare down your expenses and be able to extend those funds for more
time. After you have both emergency funds fully funded. Start paying down debt.
Pay off the smallest balance first. Regardless of interest fee, the motivation
gain by achieving this lower hanging goal will be priceless. Now move the funds
that were allocated to pay off the previous debt to your next lowest balance. This
is called the snowball effect.
Reduce your expenses
After you have taken inventory of your bills, see what you really
need to survive. Start cancelling all your subscriptions one by one. You can re-subscribe
back to them a la carte. Crazy enough, a lot of the services you are subscribed
to will give you discounted rates not to leave. Take the savings you just
earned from cancelling and roll them into funding your savings goals or paying
Have a goal in mind
If it’s saving for something big like a trip, paying off
debt, or just the knowledge you know you are good. After you hit this moment
it’s time to think about investing.
My current setup
For checking, I use Simple. I really enjoy this online bank.
There are zeros fees and no such thing as overdraft. I been with them for a
year now and I have been extremely happy moving to them. They have great
features that help you manage your expenses, goals, and savings.
For Savings, I use Marcus by Goldman Sachs. When I initially
started with Simple they did not offer savings, now they do. I still enjoy
having my funds move over to Marcus. It aligns with my ‘out of sight out of
mind’ philosophy of no touching your savings. Additionally, it will take 2-3
business days for these funds to transfer back to your checking, I see this as
a plus, since you be forced to always see your savings as untouchable. I have a
portion of my emergency funds in savings at Simple, so this would not be an
issue. Lastly, Marcus has one of the best interest rates for savings accounts
and it continues to go up ever couple of months, so that is more money in your
For Password Management, Last Pass. There are those pesky
bills you only pay once a year and you always forget the password to. Get a
password management system like Last Pass. This will make things way easier and