Hello, whinabers. My name is Jesse Meekham and this is podcast number 448 for

whinab where we teach you four rules to help you stop living paycheck to paycheck, get out of debt and save more money.

Today I want to talk about that little voice in your head, that evil one on your left shoulder,

that naysayer, that pessimistic little person that tells you you're just not

smart with money.

I mean, let's examine that for just a moment.

People tell me all the time,

hey Jesse, what do you do for a living? I say well I teach people how to gain total

control of their money. No I actually don't say that. I usually say something like

I'm in software and I know I should be better about it I'm trying

but say oh I run a company it's called you need a budget and everyone goes

ha and then you'll get something along the lines of I do or yeah I just I'm just not

smart with money what does that even mean why the negativity what do you even mean when you say smart? I think when people say they're not smart with money

They're really just saying they're not frugal. Some of the time it means they're just not frugal with money.

So maybe you are

feeling smart about your money maybe you saved up cash for something you saved up

for several months you were eyeing it you maybe even went on my favorite website

camel camel camel com especially around Christmas time or leading up to

Christmas time, and you made sure that you got a great deal on this

thing that you'd saved up for and paid cash for, and now you are smart with

money and then you tell your one-uping friend and your friend

tells you that they also saved up for something the same thing they also

...