Hey everybody, Andy here. Welcome to the Your Move podcast where we help you make better decisions and live with fewer regrets. Before we jump into today's content, I wanted to say thank you to all of you who support your move financially. It's the generosity of people like you who make this podcast possible. So if listening to the podcast has inspired you to make better decisions and hopefully live with fewer regrets, would you consider supporting your move with a tax deductible gift?

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Chances are at some point along the way you have heard it said that there are two kinds of people in the world, right?

In fact, you've heard this so many times, that's the only part of it that you remember, right?

You can't even remember what comes after this.

This is what originally attributed to Mark Twain. I assume he's the first person who popularized here. Two kinds of people in the world. And whatever follows this is generally some sort of oversimplification. but that's okay because simple things are sticky things,

and sometimes it's better to oversimplify something to remember it

than to make it complicated and, you know, tease it all out, but you can't remember anything that was said. So I'll give you an example. When I was 30 years old, I had a friend named Al Kane. Al Kane was a real estate developer several years older than me, and every once in a while he would take me out to lunch and give me advice, which I was wide open to

because he was very wise guy.

So one day we're sitting at lunch,

and any time he was lunch and give me advice, which I was wide open to because he was a very wise guy. So one day we're sitting at lunch, and any time he was going to give me advice that started like this, he'd say, buddy, buddy and had this kind of buddy, that's how it started. Buddy, there are two kinds of people in the world. There are those who make interest, and there are those who pay interest.

Now, that's a little bit of an oversimplification, but it's kind of challenging. And then he looked at me across the table, and he said, which one do you want to be? I knew the right answer. It's like, I think making it's better than paying it. And he said, yep, you just got to decide. So I decided, I really did. I literally decided, you know what? I'm going to be an interest maker, not an interest payer, and I'm not going to borrow any money on anything, an indrereciable item. I already didn't really use credit cards, you know, that would, had sort of figured that one out. But I decided I'm going to be an interest maker, not an interest payer. And so I decided I'm never going to borrow money on anything that depreciates,

including cars, and I never have ever since that conversation with him and his oversimplification.

Now, when I tell you that, you think, oh, that's because you're rich. No, it's because I made a

decision at 30 years old. So, dismissed. That's it.

That's your lesson for today. Now, anyway, so you can think about that. The point is this, that

sometimes oversimplifications are actually startling and causes us to think. So here's another

one to kind of get us into today's topic. There are two kinds of people in the world.

People who make a difference and people who make what? excuses. Yeah, there are people who make a

difference. There are people who make excuses. And so the question is, which kind of person do you

want to be? The kind of person that makes the world better? The kind of person that makes the people around them better,

or do you want to be somebody who lives behind what we've called paper walls,

...