The Way You Think About Money Will Either Make You or Break You

Listen. And apply.

Your financial thinking can be easily ruined by social media. Within seconds.

Before you realize you will be clicking away your woes and failures. Turning them into hard cash for creators playing the clickbait Mozart.

If you don't want to fall into the cobwebs of oblivion. Take action. Now.

Success isn't about money in the bank, although it does play a crucial role. To ace anything you need time.

• Time to learn
• Time to repeat
• Time to ace
• Time to live

Money does it all. It gifts you your time on a silver platter. With a silver spoon stuck inside your mouth. And annoyingly enough, it does predict your future choices.

News flash - You don't need to spend a dime to upgrade your financial thinking to the next level.

So, let's get straight to the point. Presenting to you the gold gems of Financial Thinking 2.0.

The 'It's Too Little' Debate

The way to crush the bourgeoisie is to grind them between the milestones of taxation and inflation.

- Vladimir Lenin

People sleep. A lot. A blissful sleep of ignorance that knows not of the inflation devil. They think their hard-earned money was sucked into the black hole of a 2% inflation. And I say - "Try me, dude". I haven't hung my artsy DIY name plate on the door of my home yet.

The real estate in my country is projected to grow by 30-40% in 5 years. Only the millionaires can afford that 'Decent home' dream. You and me should get a shack instead.

Mind you. This age old rant is just getting started.

The 'live on the outskirts' advice is outright cruel. You will lose 3 precious hours. Drooling about your comfy bed. That's not cool. I don't want to live in the middle of nowhere. The aboriginals may shoot arrows at me, who knows.

Hear me out.

Inflation isn't 0.000001%. It is increasing everyday. Inflation is here to stay. So, you need to make your financial thinking agile. And how you calculate its effect on your life depends on you. If you eat microwave food everyday and have a functioning vacuum cleaner, you are good. If you're like me, then inflation is really high.

Takeaway : Personal Inflation Rates are arbitrary. You should know it, to fix it.

If your income is coming from labor rather than assets, you’re being decimated by hidden inflation.

— Naval

Mental hassles demean the currency of time

Money decides the amount of free time. So, it's natural for people to prioritize cash cow activities.

A friend of mine is a senior manager at a consulting firm. He prints money day and night. The nice part is - he doesn't have to burn the midnight lamp. Yet he gets to keep all that nice holy cash. No one badgers him. No one ever tells him what to do. He has it all figured out in the conventional sense.

What they don't see is the backstage activities.

Everyday he churns the meetings. Senior managers and executives mostly spend their time, protecting the positions they've earned. Their bosses open the doors to their perfect substitute, when one mistake is committed.

Even when he is finished for the day, his mind is not done yet. He is still devising strategies to look better the next day.

Takeaway : Factor in the mental peace that a money making task costs you. If it exceeds the mark. Then, it is not sustainable for the long run.

The music needs to be different

If you find that you are dancing to your own tune, just keep dancing.

Life has a weird way to turn out right. When you don't see the crowd following you at the start, you freak out. Save the CALM man. You've got big things coming.

Good ideas are rare. And if by chance you have befriended one. Don't lose hope. Cling onto it till the others follow suit.

If you embrace a new idea, people will put you in the zoo. If that idea pops and goes mainstream, your zoo will surely have visitors. And lots of them.

If all you ever wanted was the sweet 9-5. By all means, go and pursue it. But, be ready for the back bitching and hateful duds. If you want to grow exponentially, then fuck the critics. Tell them to hold a round table conference over balding instead. It's a bigger problem.

Takeaway : Critics don't and will never pay your bills. Your financial thinking will. Go own that nerdy personal finance hat.

No. Making money online doesn't kill cats.

Making money is art.

- Andy Warhol

I've seen a lot of people. They would dance like apes for 2 dollars on the spinning wheel. And the next day they file petitions against the ones making money online. For them it's a looming evil.

I ask you. Are those online creators worthy of hate? They are in for a 24/7 job that keeps them up at nights. They toil. Day after day. Relentless in their efforts. To make ends meet.

Wouldn't you want your rusty keyboard to give birth to dollars? Sure, you would. Who wouldn't? Should you be ashamed of it? No, not at all.

If you have taken the time to learn a skill. And its learning curve was steep. There's no reason you shouldn't make money off of that skill. You have the right to get that money minted in the national bank. Crisp green notes are what you deserve.

Takeaway : While everyone is burning placards and cursing the rich. You should get off your ass. And lift that first block to build your dream tower.

The influencers got no chill

Assets put money in your pocket and liabilities take money from your pocket.

- Robert Kiyosaki

Not going full Steve Jobs in your life has consequences. Other than not building Apple.

Wearing plain black Tees sure helped Steve build that empire. If he was into buying Lady Gaga stuff, he would go bankrupt. Long before he could build Apple.

When you are a victim of consumerism's tricks, you ain't got no chill either. Your basement is an ever growing junkyard. And your wallet always suffers from malnutrition. There's always a newer version of what has gotten old.

You are unknowingly working harder to pay off your No Cost EMIs. For things you didn't need but wanted for the flex.

Takeaway : Go gift those rare Nike sneakers to a beggar. Or better use it for 10 years straight. Follow detachment from objects. And give yourself a pat. Your mental health will thank you for this act of kindness.

4-Day workweeks give more freedom

He works that he may keep alive. He does not count the labor itself as a part of his life; it is rather a sacrifice of his life. It is a commodity that he has auctioned off to another.

-Karl Marx

The basic requirement is the shortening of the working day. Or lesser number of working days in total. The people need to have a certain sense of autonomy to feel like humans. Is it too much to ask for? A few hours just to yourself is a prerequisite for sanity.

Make use of the growing no-code tools and technology to level up your game. Build a passive income stream. Get out of the rat race. Live your dream life.

For this to happen you need some time off. A chunk of the day to flip your reset button everyday. While you are busy hustling look up a day job to sustain yourself. But, make sure it doesn't eat up your whole day.

Guard your valuable hours with all due sensibility. And watch wonders happen.

The opportunity to double your money

No matter how carefully you tread in the money game. You are always one mistake away from going bankrupt.

You want a one-word gateway to making more money. It's RISK. Not just risk but deliberate risk.

Take calculated risks whenever you can. Always risking only that much which still leaves you with a safety net. Miracles happen when you do that.

But. A big but. Those risks should always be backed up by well done research.

Apple Inc. decided to kick out Steve Jobs from his very own company. Unexpected misfortunes can strike. And you will be down in the dust before you know it. You should know how to strike back. Life gets so easy when you are resilient. Steve struck back by creating Pixar. Two golden words. Be resilient.

Challenge your ancient Stone Age financial thinking. Upgrade to the 2.0 version. Get paid exponentially with just a change in mindset. The rest is shit and noise that needs to be blocked out.