2026-03-06
27 分钟So if someone's listening to this right now and they resonate with this idea of they're slightly avoidant,
they don't really have a plan,
they're kind of just, they get paid,
they answer their bills and then they wait till the next payday.
They're not being intentional with their money.
Is there a step one in taking back control?
The very first thing, number one, that I would say to do is build a peace of mind fund.
A peace of mind fund.
This is not about maths,
it's not the mathematically optimal thing to do, but it is the psychological.
Because as we've discussed, money is as much about emotions as it is about numbers.
So what I'll say is go through the last 30 days of your bank statements and calculate exactly how much it costs for one month of your living.
So mortgage, rent, utilities, bills.
minimum debt payments, car payments, whatever that total is,
that's the amount that you want to save up for your peace of mind fund.
Okay, so I go through my last 30 days of my bills, I find out that it's cost me, let's say $1,000.
Okay, that's one month of your core living expenses.
Yeah, so I need to save $1,000.
You don't need to invest it, you don't need to save it, you don't need to, it's not for a holiday.
The reason why you want to save this is because when life does what it does best,