habits cut both ways they can drive us forward or they can tear us down the difference is what habits we choose to keep and what we choose to let go so in that spirit let me share with you 12 toxic money and life habits that you must stop today if you want to not only find success in life but live a more fulfilled life and hi if you're new to the channel my name is T from Financial tortoise where we learn to go our well slow and steady the number one toxic life and money habit
that you must stop today stop blindly imitating those around us when we're young it is natural to imitate and mimic those around us us we look to our parents and try to follow their footsteps with everything how they talk how they dress and what they eat we look to our friends and see what they do in new social settings before saying or doing anything and when it comes to our hair we look at Youtubers with the most amazing hairline in the Internet and try to imitate their hairstyle however the truth is that while imitation has
a time in a place with time we must find our own pathway just because both our parents were engineers doesn't mean we have to become one we can take their lessons learned from their careers but their lives aren't Our Lives just because all our friends love to spend money on fancy cars doesn't mean we need to as well your money values are different and you might value completely different things when it comes to spending and just because Tay has the most amazing hairline in the internet doesn't mean you need to strive to have one as
well and I'm sorry but I have to be very honest with you there's only one spot on the internet for this amazing hair bottom line if you feel like you're spending too much time blindly imitating those around you I recommend you spend some time for self-reflection ask yourself what is it that you truly want what do you value what excites you what kind of Life do you want to live not the life that someone else wants you to live but truly the life that you want to live the number two toxic life and money habit
that you must stop today stop believing that you can't others can chart their own pathway because they're smart and confident but I can't I just don't have the brains or the ability I have always been this way well I'm here to tell you that you can this idea that I can't is one of the most common negative habits I hear when I talk to people about money I don't think I know enough to manage my money well I just don't know enough about investing to manage my own portfolio this is why I need someone smarter
than me to do all this money thing for me because I can't well let me tell you if a stumbling fool like me can learn to manage his own money you can too do not allow yourself to believe that you can't you can because when we allow ourselves to believe that we can't we can't manage our own money this FS the financial industry to continue to sell us useless Financial advice and products that make tons of money for them but not for us money is like any other skill that we can learn I'm sure we
can all remember when we first tried to learn how to ride a bicycle it was hard however with practice we were all able to learn right it is a same way when it comes to learning how to manage our money yes the first time we tried to track our expenses it felt excruciating the first time we log into our investment account it felt overwhelming the first time we Tred to understand the different investment options out there we felt like we want to pull our hair out however I guarantee you the more you do it and
the more practice you get you will get better with money so stop believing that you can't I believe believe you can which leads to a next toxic habit the number three toxic life and money habit that you must stop today stop living in fear fear drives many of us to make detrimental money mistakes fear drives us to turn over all of our money to expensive financial advisors believing and hoping they'll take care of our money for us better than we can fear drives us to buy into risky Investments that promise five time return for our
money in 6 months or the other way around fear drives us to keep all our money in low interest safe savings account not giving our money the chance to appreciate through the power of the stock market fear healthy fear has a time in a place when entering a dark alleyway fear Keeps Us focused and sharp it keeps us out of true danger however when we live in Perpetual fear this is not a healthy place to be at not only does it drive us to make unse decisions we spend our whole lives under stress and anxiety
because we are always worried what if the stock market crashes and I lose all my money what if this new business venture fails what if I lose all my hair what if what if and we never take action we don't take healthy risks we don't live life use fear to keep us alert and focused but be careful not to let it completely consume your life and talking about fear do you know what helps us to mitigate fear knowledge which is why I highly recommend you check out short form who I'm partnering with for today's video
shortform is a platform that produces one of the best highquality guides to non-fiction books they have thousands of books within multiple categories like money and finance self-improvement and business I especially like how their guys not only cover the book's key ideas but include additional commentary as well as other related book recommendations short form is also constantly expanding their Library by dropping new book guides and articles every week and subscribers like you and I even get to vote on which books they should cover next if you want to expand your knowledge if you want to get
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on things that you cannot control many of us allow ourselves to get paralyzed by fear because we spend so much of our energy dwelling on things that are out of our control there are so many things that are out of our control we can't control how our kids will respond to a new school year and a new teacher we can't control how our boss will feel tomorrow we can't control how the stock market will perform the next year and often we can't help ourselves but spend our precious waking hours thinking and worrying about them but
no amount of worrying and thinking about them will do anything to change the outcome so I say save your precious energy focus on things that are truly within your control how you'll respond to a new day how you will tackle your work how much will contribute to 41k balance this month when you focus on things that are within your control rather than things that are not you'll feel more empowered and energized to take on the day the number five toxic and life money habit that you must stop today in the line of not living in
fear and not dwelling on things you cannot not change stop avoiding change many of us get caught up in the fear cycle because we fear change the changing economy the changing job market the changing family Dynamics our kids are growing up so fast what do I do when they enter school or become teenagers well just as always living in fear and dwelling on things we can change are not healthy to avoid change to fear change is not healthy change is a natural part of life we're not the same person that we were 10 years ago
or even 5 years ago just as insects and vegetation around us are constantly changing through different life cycles and Seasons we are changing as well so don't avoid change change is a good thing we don't want to be the same person that we were 5 years ago because we want to continually grow and mature I don't want to be the same husband to my wife that I was 10 years ago that was very immature emotional and insecure I want to become a better version of myself for my wife and for my kids today and in
the future so recognize that the world is constantly changing that change is a natural part of life and thus we should embrace change not avoid it a quick reminder if you're enjoying this video and we like a summary of everything I'm covering here please go to the link I'll have in the description below to grab your free onepage pdf whenever I hear good information I on a way to capture them so I don't forget them well if you think the same way that I do no worries I've done the work for you I made this
free pdf so you don't forget all the invaluable lessons I'm sharing this video so make sure to go to the link I'll have in the description below to grab your free copy all right with that said let's get back to the video the number six toxic life and money habit that you must stop today stop dismissing your achievements you have achieved so much in your life if you're getting up every morning taking out responsibilities and doing them to completion Bravo to you my friend that is something to celebrate and not to dismiss however I know
of too many people who always focus on what they haven't yet achieved instead of celebrating what they have already accomplished I haven't saved enough for retirement I'm not spending enough time with the family I haven't achieved all my life goals yet and I'm 35 years old already well let me tell you if you allow yourself you'll always feel like you've never achieved enough in your life life never done enough but that is just perspective our view of our life in the world starts from our mind what do we choose to focus on on what we've
been able to achieve and being thankful and grateful or what we haven't been able to achieve and being anxious and stressed I personally prefer the former the number seven toxic life and money habit that you must stop today in the line of stop dismissing your amazing achievements stop overlooking what you have it is so easy to focus on what we don't have than being thankful for what we already do you look at your neighbor's driveway and see a brand new Audi and fantasize about a new car forgetting that you already own a vehicle not as
new and not as sexy but still very reliable you hear about your friend's promotion and become immediately envious forgetting that you already got your promotion last year an amazing promotion that everyone else was envious of you watch a YouTube video about an epic vacation to the Greek Islands forgetting that you had just come back from an amazing vacation with the family where you able to connect and build lasting memories human nature is funny that way we're like a goldfish with very short-term memory it is so natural to overlook look what we already have and be
envious of what others have but I'm sure you know this from personal experience and you know that it's not a healthy place to be at you're always wanting more and more never fully satisfied so practice gratitude for what you already have stop overlooking what you already have and own acknowledging the good that you already have in your life is a foundation for all abundance the number eight toxic life and money habit that you must stop today stop putting up with negative people we won't call out any names but we all know of people within our
lives that love to create create drama that complains about everything that loves to swim in the pool of negativity well let me be upfront with you you don't need to put up with them it's easy to feel like we have an obligation to all people within our lives especially if there are people that are close to us friends that we grew up with co-workers that we see every day the relative that lives down the street we feel we need to listen to them complain about their problems or worse yet make it our own however you're
only responsible to that individual not for them you're responsible for how you behave towards them to be polite and respectful but that doesn't mean you need to take on their negativity as your own so if you have spent too much of your energy putting up with negative people stop today the number eight toxic life and money habit that you must stop today in the line of stop putting up with negative people stop trying to please others we're all social beings so it is very natural to seek social approval I mean who doesn't want to be
accepted and liked we all do to a moderate level this is normal and good it develops social awareness and empathy however the issue is when we take it to the extreme to live our life solely focused on pleasing and satisfying others for ultimate social approval we only do things so we can be liked accepted and acknowledged we're constantly asking will this person like it if I did this oh no what if they don't like it what if they aren't pleased what if they don't like me and what happens is that you don't give enough attention
to the most important person in your life yourself so be polite be kind then be accepting to others but most importantly be polite kind and accepting to yourself give room to make yourself a priority in your life the number nine toxic life and money habit that you must stop today stop losing track of your goals this is likely to happen if you spend too much of your time trying to please everyone else instead of yourself I personally love goals I love writing them down I love fantasizing about what new goals I can achieve in the
future I truly believe in the power of having goals and having it prominent in the front of our face at all times they are a powerful motivator and keep us focused during the chaos of our lives however it is very easy to lose track of our goals especially when there's so much going on in our life work projects need to be completed kids need to get ready for school family gatherings are right around the corner but do your best not to lose track of your goals the only person that will care about your goals is
you so you must fight to keep them visible in your life what I personally like to do is write in a prominent place at home a big whiteboard is great so I can see it all the time seeing it often helps me to internalize it and take action towards it and before you know it you've achieved your goals and you're on to your next goal the number 11 toxic life and money habit that you must stop today stop living in the past it is so easy to think about what could have been only if I
had I should have taken that job why was I such a fool well you know what that does for you today absolutely nothing it is good to reflect on the past so we don't repeat the same mistakes but to live in the past does nothing for us today time is one of the most precious resources we have on planet Earth time is tiing by as we speak and we will never get it back so don't waste that precious time living in the past number 12 toxic life a money habit that you must stop today on
the other end of the spectrum stop living in the future we're always saying one day one day when I have enough money I can do all the things that I want then I'll be finally happy but do you know what I would say to this yes it is important to plan for the future but don't be so focused on the future that you forget to live today my Latin teacher in high school would always end the class with this thing carpet DM carpet DM translates to sees the day essentially make the best of today we
don't know what tomorrow will hold hopefully a better future however tomorrow is not certain so while you should plan for the future don't live only for the future live today embrace your loved ones do the best that you can in everything and Seize the Day thank you guys for watching the lineup seizing the day and making the best of the present please check out my video on things you should not skip on here until next time all the best
