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How to save more money and grow your net worth — cut down on 3 things - Business Insider
I've saved nearly $270,000 at age 28, and I'm convinced the key to growing your net worth is spending less on 3 things
Last year, I vacationed to Alaska, Florida, Colorado, New Orleans, and San Francisco. Plus ski trips to Aspen, Colorado, and Whistler, Canada.
More than I'd like to admit, I also spent aimlessly on concerts and events, spoiled my pets with way too many toys, and cannot remember a single time I turned down a night at the breweries with friends.
Now's the part of the intro where I'm supposed transition to the bad news to let you know how much debt I've racked up, and how I'm living way beyond my means.
But I have a curveball for you. Despite all those expenses, I only spent about $25,000 for the whole year.
This level of frugality allowed me to grow my net worth by $73,000 last year. (Of which, about $35,000 was investment returns and the remaining $38,000 was from saving over 50% of my income, plus employer 401(k) contributions.)
How?
I focused on just three expenses.
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Thank you,
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I've  saved  nearly  $270_000  at  age  28_  and  I'm  convinced  the  key  to  growing  your  net  worth  is  spending  less  on  3  things  needsEditing  investment  retirement  Komal  Neha  Sonu  &  Neeraj  questionable  from iphone
october 2018 by neerajsinghvns
Conversation
17/08/2018 04:15
And at last, here are 8 foods I've enjoyed on 16:8 and Leangains: 1. Big John's beef jerky 🐮 2. BBQ chicken 🐔 3. Raw broccoli 🌳 4. Cottage cheese 🧀 5. Frozen blueberries 🔵 6. Frozen strawberries 🍓 7. Hilarious amounts of sugar free Jell-O 🤪 8. Coffee ☕
Justin Owings (‪@justinowings‬)
17/08/2018 04:15
16. If and when you find success, you might not recognize it. That's how it works. When you change your body, you change your mind. You aren't the same person you were when you first began.
Justin Owings (‪@justinowings‬)
17/08/2018 04:15
15. Change can be painfully slow sometimes. Practice, practice, practice. Learn to love the plateau on the path to mastery.
Justin Owings (‪@justinowings‬)
17/08/2018 04:15
14. When trying to change yourself, you are going to fail. Have compassion for yourself. Stay the course. Try, try again.
Justin Owings (‪@justinowings‬)
17/08/2018 04:15
13. Being strong, being lean—it makes you stand taller. As ‪@jordanbpeterson‬ says, "With your shoulders back." It builds confidence. It's not because everyone else knows you're strength. It's because _you_ know it.
Justin Owings (‪@justinowings‬)
17/08/2018 04:15
12. If you fear it, you should think hard about doing it. Fear is your signal for what matters—it's where failure would hurt. No risk, no reward. Not facing your fears is failure. So as ‪@jockowillink‬ says, "Get after it."
Justin Owings (‪@justinowings‬)
17/08/2018 04:15
11. If you have kids, you owe it to them—and to your spouse—to invest in your health for the long haul. Fitness and diet provide long-term returns. Invest early, invest often, and invest wisely.
Justin Owings (‪@justinowings‬)
17/08/2018 04:15
10. Though while they love you, your friends and family will likely resist you changing. Don't begrudge them. Don't judge them. Seek their support and keep on chugging even if they resist, nag, or tempt with cookies. (Cookies are okay from time to time.)
Justin Owings (‪@justinowings‬)
17/08/2018 04:15
9. Your friends and loved ones love you the way you are. Thank God. Getting the six pack or the new PR is satisfying because it is hard work and will not and cannot replace lost relationships—which are also hard work. Invest in both.
Justin Owings (‪@justinowings‬)
17/08/2018 04:15
8b. The best coaches will not accept your complacency. They will be the asshole you need to push your limits. These coaches have what ‪@nntaleb‬ calls "soul in the game"—you are their craft. Your failure is their failure. These coaches are brutal. E.g.: ‪@Martinberkhan‬
Justin Owings (‪@justinowings‬)
17/08/2018 04:15
8a. Be careful who you find to help you. There are lots of gurus and coaches. Find a good teacher who will break your patterns and see where you fail and help you fix it. Really good coaches have a track record of clients who succeed—and stop being clients because of it.
Justin Owings (‪@justinowings‬)
17/08/2018 04:15
7. If you've been trying a diet for awhile and it's not working, ask questions. Take a hard look. Are you tracking what needs to be tracked? Holding yourself accountable? What's hiding in your blind spots? Don't let failure fester. Evaluate, make changes, get help.
Justin Owings (‪@justinowings‬)
17/08/2018 04:15
6. Get thee to a proper gym. Learn the major barbell lifts: Squats, deadlifts, rows, presses, and chins. These exercises are all you need to get as strong as an ox. Man? Woman? Young? Old? Doesn't matter. See ‪@CoachRippetoe‬ for tips.
Justin Owings (‪@justinowings‬)
17/08/2018 04:15
5. CICO matters. You can fight it. You can trot out the rhetoric that the laws of thermodynamics don't apply. You can also miss the forest for the trees. Complex systems exist within context. CICO is context. Context matters.
Justin Owings (‪@justinowings‬)
17/08/2018 04:15
4. Intermittent fasting is a powerful lever to pull because it works on two major dimensions: psychology and physiology. Physiological: hormone levels, energy intake Psychological: rewires Pavlovian responses to food/meal times, "chunks" decisions (Eatong becomes binary)
Justin Owings (‪@justinowings‬)
17/08/2018 04:15
3. However, complex systems can be changed through methodical tinkering, observation, patience and perseverance. Don't obsess over goals. Work the system. (‪@ScottAdamsSays‬)
Justin Owings (‪@justinowings‬)
17/08/2018 04:15
2. Our bodies are complex, dynamic systems with loads of dependencies and redundancies making cause and effect very difficult to understand, much less control. If you are expecting simple solutions to singularly change the system, you will fail. Count on it.
Justin Owings (‪@justinowings‬)
17/08/2018 04:15
1. Your "can'ts" and "won'ts" are your greatest enemies—in most everything you do in life—and certainly when it comes to lifestyle, diet and fitness. What do you want? How are your thought patterns locked and stopping you from getting it? You can. We can do anything.
Justin Owings (‪@justinowings‬)
17/08/2018 04:15
In  recognition  of  16:8  day  (Intermittent  Fasting  Day)  and  ‪@Martinberkhan‬'s  Leangains  book  release_  here  are:  🤔  16  things  I've  learned  on  the  journey_  and  🤤  8  foods  I've  eaten  as  I've  dropped  19  lbs  Thread  ⤵twitter.com/justinowings/s…f9 
august 2018 by lboulard
What I’ve Been Looking For Ft. Lucas Grabeel | Music Sessions | Ashley Tisdale | Best Images Collections HD For Gadget windows Mac Android
What I’ve Been Looking For ft. Lucas Grabeel | Music Sessions | Ashley Tisdale Hey guys!! You’ve been asking for a high school musical collab on my channel…here it is!! I had the best time performing What I’ve Been Looking For with Lucas @mrgrabeel! Give it a thumbs up if you liked our video. Don’t […]
IFTTT  WordPress  What  Ashley  Tisdale  Lucas  Grabeel  music  sessions  TizzieTuesday  I’ve  Been  Looking  For  ft.  |  Ash...  i've 
august 2017 by wotek
Hot To Build A Pit BBQ For $250 | Best Images Collections HD For Gadget windows Mac Android
Warm to Construct a Pit BBQ for $250 This online video will show you how to construct your incredibly have transportable pit BBQ, in considerably less than an hour, for considerably less than $250. Introduced to you by Joe Davidson’s Grill Camp Warm to Construct a Pit BBQ for $250
IFTTT  WordPress  Barbecue  bbq  crossfire  diy  do  it  yourself  how-to  I've  Got  a  Feeling  In  Step  Joe  Davidson  Stevie  Ray  Vaughan  The  Sopranos 
august 2017 by wotek
Modern Hooray! I’ve Finally Finished Writing Up The Pattern For My New Blanket – Tu… HD | Best Images Collections HD For Gadget windows Mac Android
Hooray! I’ve eventually completed composing up the sample for my new blanket – Tu… Hooray! I’ve eventually completed composing up the sample for my new blanket – Tunisian Sunset. Isn’t she fairly! If you stick to me on instagram you would’ve viewed her in the mak… Hooray! I’ve eventually completed composing up the sample for […]
IFTTT  WordPress  Blankets  blanket  finally  Finished  hd  Hooray  i've  modern  pattern  tự  writing 
august 2017 by wotek

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