There's very few times on this show that we're actually going to be fussing at you.

We'll be fussing with you.

And if we call you stupid or call what you're doing stupid, rather, we won't call you stupid.

We might call what you did stupid.

But it's because we know what stupid looks like.

We've done it.

I've done it more than even Rachel.

Rachel grew up in a

household where I had quit doing stupid by the time she was born and came along I had gone

broke but I know what stupid looks like and we have figured out that personal finance is 80% behavior

it's only 20% head knowledge and you've got to study and think about this money stuff through the lens of behavior

modification.

It's not a math problem.

So how do I modify my behavior? Well, I have to commit to, and my friend James

Clear in this mammoth book that he did called Atomic Habits, I have to change my identity.

I am no longer a person who makes stupid but immature, impulsive financial decisions

and then looks in the mirror and wonders why I'm broke. I'm no longer that guy. I instead am

very careful and very slow. And one of the things we'll help you do here occasionally, and you don't even know

we're doing it, but we're very intentional about it is we want you to have a new

identity when you get off the call.

And that guy doesn't think of himself as a broke person with $40,000 in student loan debt.

But when you have no money and $40,000 in student loan debt. But when you have no money and $40,000 in student loan debt,

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