Lesson 1
Invest as early as possible, and never stop. If you are going to have a kid, open up a retirement account for your kid before you even conceive the kid; that way, they can be a millionaire well before 30.
Lesson 2
If you can’t handle a credit card responsibly, wait until you’re ready to own one; doing this will save you plenty of financial trouble.
Lesson 3
Paying off debt is great, but make sure you invest while you pay off your debt. You can’t get time back.
Lesson 4
Avoid student loans like the plague. There are too many ways to go to college for free—no need to set yourself back financially after you walk across that graduation stage.
Lesson 5
Spend less than you earn. Spend less than you earn. Spend less than you earn. Spend less than you earn. Spend less than you earn. Spend less than you earn.
Lesson 6
College is great, but it’s not necessary. It doesn’t make you more valuable than someone else. It doesn’t make you a better person. It doesn’t necessarily make you a smarter person. It doesn’t always make you more money than the non-college graduate.
Lesson 7
Ensure your partner has a healthy relationship with money; they don’t have to care about it as much as you, but they need to prioritize financial stability, financial health, and financial education.
Lesson 8
Always be with an emergency fund.
Lesson 9
Financial care = self-care.
Lesson 10
Holistic health includes emotional well-being, mental well-being, physical well-being, spiritual well-being, sexual well-being, professional well-being, and financial well-being. If you neglect one, it will affect the others.
Lesson 11
Don’t wait to travel the world. Instead, find a way to do it now without going into debt.
Lesson 12
You get paid according to your self-worth. How much do you currently value yourself?
Lesson 13
You don’t have to say “yes” to every business opportunity, every event, every person, and everything else. Boundaries are challenging to implement later in life, but the sooner you implement them, the more profound and easy your life experience will be. Unfortunately, most people do not have financial boundaries; if this is you, implement them with yourself and others pronto.
Lesson 14
If you don’t love your income, change it.
Lesson 15
It’s okay to think differently than everyone else. Be an outlier. Be the robot who has a glitch.
Most people follow the follower. If you want to be successful with money, you can increase your chances by doing what most people don’t do. Most people spend money they don’t have and live paycheck to paycheck. If you do the opposite, you will already be better off than most people.
Lesson 16
You can have all the money in the world, but it means nothing without your health. Being healthy is a life-long journey and the balance of your daily choices about your health. It takes consistent effort, and it’s not always easy.
Lesson 17
Avoid addictions to things, people, circumstances, and substances. Addictions often impact you financially at some point.
Lesson 18
Your confidence should be independent of your outer appearance, external influences, and other people.
Lesson 19
Always make yourself your number one priority because that is who you have to live with daily. When you care about yourself, you ensure you are taken care of financially. You avoid decisions that will deteriorate or compromise your financial health.
Lesson 20
If you don’t understand investing or personal finance, educate yourself now so you won’t regret it later.
Lesson 21
Invest in yourself. Spend money on yourself in ways that will benefit you indefinitely. Increase not only your net worth but your self-worth.
Lesson 22
Give more than you receive from others. Being a giver is 1000% more rewarding than being a receiver.
Lesson 23
Be independent financially, mentally, and emotionally. There is nothing sweeter than the taste of independence.
Lesson 24
You don’t have to live in the same country, state, city, or home for the rest of your life. Instead, move around, live in different places, and acquire new experiences; this will enrich your mind, body, spirit, and soul.
Lesson 25
The new cars, the big houses, the name-brand clothes, and everything else that comes with money is nice but unnecessary, especially if you can’t afford it. Don’t be a fraud. At the end of the day, it’s just you. You don’t need to waste time and energy trying to impress people or live a life you’ve been taught to buy into. Think about what you really want, not what everyone else wants.
Lesson 26
Stretch, walk, eat raw veggies, and drink plenty of water daily; this will keep your mind sharp and ready for new ideas that can help you reach your financial goals faster.
Lesson 27
Write your goals down, review your goals daily, and consistently work on your goals.
Lesson 28
The best thing to do with a goal you have is to start and never stop. Modify your goals as needed, but keep going, and the magic will find you.
Lesson 29
Laugh as often as possible; it enriches the body, mind, spirit, and soul.
Lesson 30
Actively get to know yourself, and never stop discovering who you are. The better you know yourself, the more enhanced your life experience will be.
Lesson 31
Read and consistently acquire new financial information or information that can profit you financially.
Lesson 32
Help others learn about money and develop financial empathy for others less off than you.
Lesson 33
Don’t exploit others for money; it always comes back full circle.
Lesson 34
Your likes will change, and sometimes there is nothing you can do about that except embrace acceptance. Get rid of things that no longer bring you joy and add value to your life. Embrace minimalism.
Lesson 35
Find someone you can simultaneously evolve with. Because if only one person evolves in a relationship, it’s most likely not going to last. And if it does last, it will potentially be filled with unhappiness, discontentment, and unfulfillment. The higher the quality of your relationships, the higher the quality of your money.
Lesson 36
It feels so much better when you can say, “Yes, I can afford to buy the car I desire with CASH, but I choose not to.” than buying a car, you can’t afford. Be in control of your money and the materials you buy. And be mindful about large purchases on quickly-depreciating assets.
Lesson 37
Never have all of your money in one bank.
Lesson 38
If you didn’t learn about money growing up, this does not grant you an excuse to fail at personal finance in the present day. So take action and learn for yourself how to successfully manage your money and budget.
Lesson 39
You don’t have to get married, and if you do want to get married, it doesn’t have to be at a certain age. And remember to safeguard your assets before you get married, because hey, sometimes it just doesn’t work out.
Lesson 40
You don’t have to have or want kids. Kids are special, and they also cost endless amounts of money. I know from observing my parents growing up.
Lesson 41
Most people aren’t ready to have kids because they have yet to deal with their own issues. Whatever issues you don’t deal with, your children will deal with. Many people take the responsibility of having kids lightly. It’s respectable for a person to say, “I’m not ready to have children because I’m still working on some internal issues.” than for someone to have children just because they want them or are running out of time on their “biological clock.”
Lesson 42
Learn from others who are more successful, more intelligent, and more distinguished than you. Don’t seek to learn all of your knowledge from your peers.
Lesson 43
There are two kinds of people in life: doers and talkers. So be a doer — especially when it comes to money and business decisions.
Lesson 44
All it takes to get started on a positive change is to start.
Lesson 45
Intake financial advice from multiple and many sources, but learn how to make your own informed decisions about your money.
Lesson 46
Your social media following should never equate to your self-worth, and I’m here to tell you: you don’t need to show off your money or share all of your experiences with the world online. Just saying.
Lesson 47
If you don’t want to attend a work event outside of working hours, don’t go. And never apologize, feel bad, or care what your colleagues may or may not think about you. Who gives a f*ck. Time is money, and one thing you can never get back is your time.
Lesson 48
If you continue to neglect someone or something pretty soon, it will matter. Don’t neglect your finances. Don’t neglect saving and investing early. Don’t neglect financial education. Don’t neglect to maintain a close eye on your finances.
Lesson 49
The less you desire, the more powerful you are, and the higher your net worth will be.
Lesson 50
Relationships can make or break you — especially financially. Choose your relationships wisely.
Lesson 51
Habits can make or break you. Choose your habits wisely.
Lesson 52
Every time someone asks for money, and you have it, know that you don’t have to say “yes.” Boundaries, my friend. Boundaries.
Lesson 53
You attract other people like you. So if you want to attract healthier and more successful people into your life, it all starts with you.
Lesson 54
Codependence is destructive, limiting, and a time-waster. You can’t save everyone financially. Sometimes, you have to let people learn how to swim. Offer financial advice and financial assistance (when you can afford it), but don’t overexert yourself financially and become a yes person to everyone who has a financial woe, or soon you will be in their shoes.
Lesson 55
Always have financial mentors (even if those mentors are people you don’t know in person, such as authors and other financial gurus) that can be your objective sounding board for the different financial seasons of your life.
Lesson 56
Your thoughts can free and elevate you or enslave and limit you. Choose your thoughts wisely. Remember, your thoughts create your reality — in all aspects.
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Destiny S. Harris is a writer, poet, entrepreneur, teacher, and techie who offers free books daily on amazon. Destiny obtained three degrees in political science, psychology, and women’s studies. Follow her on Instagram, Facebook, or @ destinyh.com
This article is for informational purposes only. It should not be considered Financial or Legal Advice. Not all information will be accurate. Consult a financial professional before making any significant financial decisions.
GREAT READ ♥️🙏🏼