Hi and welcome to the Deeper Than Money podcast. I am your host, Chloe Elise. I'm a millennial money

coach speaker, dog mom, and a seven on the enneagram, and I am on a mission to prove to you

that finances can be fun and easy. On the Deeper Than Money podcast, we will dive

into all things millennial finance, debt, saving mindset, and how to have financial freedom

to enjoy life in your 20s and 30s. I want you to leave this podcast with more confidence around

your Moolah and the belief that your biggest financial dreams are

possible for you. So let's talk money. Today I'm going to be talking Money podcast. Today I'm going to be talking about why spending more is actually a goal of mine for 2021. And that might sound a little counterintuitive if you have always heard from financial gurus, spend less, spend less, spend less. And I really grew up

believing that and hearing that too, especially when I first started on my financial journey,

literally every single resource told me to spend less. Here's how to cut expenses. Don't eat out at restaurants

if you are in debt. Don't go shopping. You shouldn't be buying things. Here are no spend days or

do a no spend week or do a no spend month and all of these things over and over and over.

So when I did those things, right, when I cut out the

spending, I did the no spend week, I told myself I can't go out to eat or shop or do whatever,

I was just overwhelmed with guilt. I felt guilty for wanting to, right? I felt guilty for wanting to go to the restaurant. And then if I did,

let's say it was somebody's birthday or I just gave in and did it, then I would feel guilty the whole time.

And it was just such a negative experience. Spending became this thing that was so bad, so negative. And my whole goals financially were to

spend less, spend less, spend less. And so I was constantly cutting things out and things that I cared

about. I was sacrificing all of these things because I thought I had to. And so I was getting ahead with

money, but I was miserable and I was missing out on some of the things that I really, really cared

about. And here's the bottom line that I want to kind of point out and then I'm going to jump back

into kind of my financial journey. If spending feels bad to you or if you subconsciously believe that spending is bad,

I want you to question that. Okay. I just want you to question that today because there's a difference between a belief and a

...