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Speaker 1: Welcome to How the Money. I'm Joel and I'm Matt,

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Speaker 1: and today we are discussing the power of investing in yourself. Yeah, Juel,

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Speaker 1: this episode, we're gonna talk about almost continuing education in

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Speaker 1: a way. We're gonna talk about how and why you

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Speaker 1: should continue to invest in yourself, and we're gonna talk

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Speaker 1: about ways that we can do that for free, or

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Speaker 1: at least close to free man free. That's my middle name,

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Speaker 1: like obsessive free. So yeah, is that gonna be your

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Speaker 1: son's middle name in all likelihood? And there's a good chance. Oh,

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Speaker 1: I almost said what I think you guys are gonna

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Speaker 1: name your son, but we shouldn't do that, just in

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Speaker 1: case you decide to pull a little switchero at the

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Speaker 1: last second. Which interesting story. When we first met your

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Speaker 1: middle child in the hospital, you had a name for her.

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Speaker 1: We met her personal experience, and this is why I

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Speaker 1: said that, because I met her, I can that name,

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Speaker 1: and then you change the name on us. Dude, it

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Speaker 1: didn't work out for us, So that's all I gotta say.

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Speaker 1: We didn't like it. So, like, how long did it take?

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Speaker 1: By the way, personal story here, how long did it

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Speaker 1: take for you guys? Was like twenty four hours of

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Speaker 1: calling her that, and you're like a day or two

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Speaker 1: of calling her what. We thought we were going to

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Speaker 1: name her, and it just didn't sound right. Every time

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Speaker 1: we said her name, we kind of looked at each other,

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Speaker 1: Kate and I we were like, is that really her name?

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Speaker 1: I don't think we're gonna go with that. So we

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Speaker 1: called an audible. We switched it up, and we are

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Speaker 1: so happy that we did. So you never know, man,

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Speaker 1: even though you guys might have a name pinned down,

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Speaker 1: which I know you you do, We'll see what he

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Speaker 1: ends up being named there in the end, which, by

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Speaker 1: the way, we're really close to naming our son as well. Yeah,

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Speaker 1: you guys have been waffling back and forth. We always waffle.

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Speaker 1: That's just how we do it. Or don't waffle. Maybe

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Speaker 1: you don't even think about it sometimes. Well, yeah that

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Speaker 1: is true. But this past week during our date night,

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Speaker 1: we actually had a pretty serious conversation and I we

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Speaker 1: did a little high five. We said the name, We

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Speaker 1: did a high five. We said, did we just name

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Speaker 1: our son? And we we may have, but before we

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Speaker 1: kicked off, Man, I gotta a quick, frugal or cheap

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Speaker 1: for us, oh, bring it, dude, it's been a minute.

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Speaker 1: Yeah it has. So the other day I was taking

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Speaker 1: my daughter to school. Our school has this thing called

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Speaker 1: morning meetings, and you know, the entire school gets together.

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Speaker 1: They have a big meeting in the auditorium. All the

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Speaker 1: kids are there. It's not nearly as chaotic as it sounds,

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Speaker 1: but all the parents are invited to stay for that

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Speaker 1: as well, and I try to make that a couple

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Speaker 1: of times a week. Well, normally, I roll in there

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Speaker 1: with just gym shorts on and a T shirt because

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Speaker 1: it's still towards the end of summer, and I get

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Speaker 1: pretty hot and sweaty. And I normally don't care at

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Speaker 1: all what I look like because I work from home.

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Speaker 1: For me, clothes just aren't a huge priority. But lately, man,

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Speaker 1: I've been wondering if I should be concerned. I'm just

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Speaker 1: gonna shoot from the hip. I think you should be

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Speaker 1: wearing a tuxed on morning meeting. Well, I mean all

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Speaker 1: that note, there's a lot of parents that are rolling

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Speaker 1: in there, and you know, they're getting ready to drive

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Speaker 1: after their professional jobs, and they've got more formal environments,

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Speaker 1: and they are wearing ties at least slacks and button

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Speaker 1: up shirts, and so I started wondering, is this me

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Speaker 1: being frugal? Right, Obviously, I don't have to spend as

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Speaker 1: much money on closed. It's not something I prioritize, so

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Speaker 1: I don't really care about it. But at the same time,

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Speaker 1: I feel like I do need to take into account

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Speaker 1: some social norms. And it's not like I'm rolling in

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Speaker 1: there and I've got like holes my t shirts where

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Speaker 1: people can see my body parts and stuff like that,

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Speaker 1: But it's just something that's been going through my head.

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Speaker 1: I want to be aware. People that know me know

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Speaker 1: how I roll, right, it's not a big deal. But

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Speaker 1: for folks that I don't know. With it being kind

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Speaker 1: of towards the beginning of the year, I guess I'm

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Speaker 1: trying to be a little more thoughtful and how I

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Speaker 1: present myself to some of the other parents. And I

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Speaker 1: don't want to negatively affect some of the relationships that

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Speaker 1: I might have with my daughter's classmates parents. Right, these

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Speaker 1: are parents, and I'm gonna see maybe for the next year,

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Speaker 1: I want to kick those off on the right foot. Man,

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Speaker 1: So what are your thoughts on that? All? Right? So

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Speaker 1: here my thoughts. I think it's frugal and here's why.

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Speaker 1: I think as long as you brush your teeth that

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Speaker 1: morning and they can have a conversation with you face

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Speaker 1: to face without being like, oh, what's going on? I

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Speaker 1: was like, guy, smell weird, right, I think you're good there.

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Speaker 1: Check And as long as, like you said, there's no

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Speaker 1: holes in the T shirt, I think you're good too.

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Speaker 1: But I don't know. I think I'm biased. I purposefully

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Speaker 1: chose to work in radio because I knew you could

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Speaker 1: wear whatever you want. That was half the reason I

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Speaker 1: decided to go into that profession. For me, it just

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Speaker 1: matters to be able to dress and a relaxed manner.

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Speaker 1: And I know that even at the station I worked at,

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Speaker 1: I probably dressed more relaxed than most people. And part

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Speaker 1: of that is because I'm riding the bike every day, right,

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Speaker 1: I'm I'm I'm sweating, and people are used to seeing

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Speaker 1: me typically wear shorts and a T shirt. And so

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Speaker 1: at this point I've kind of set that standard. People

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Speaker 1: know what they're getting. And I think if you set

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Speaker 1: the standard, hey, this is who I am, this is

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Speaker 1: how I roll, and you're at least within the bounds

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Speaker 1: of normalcy, I think it's okay if you roll in

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Speaker 1: wearing like slippers and some nasty sweatpants that have stains

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Speaker 1: all over them, like a old stinky bathrobe sort of

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Speaker 1: thing as well. Right, yeah, if you're like the big Lebowski,

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Speaker 1: the dude walking intactly, I was imagining why rushing in

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Speaker 1: hand at eight am. I think it's a little bit different,

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Speaker 1: but yeah, no, I think you can do it as

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Speaker 1: long as you look presentable. You don't have to be

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Speaker 1: wearing collar shirts or anything like that. Man, it's two

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Speaker 1: thousand nineteen. People still care about that. Come on cool. Well,

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Speaker 1: I was hoping and I actually thought you would side

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Speaker 1: with me, man. And I think too that being kind

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Speaker 1: and interested in some of the other parents, I think

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Speaker 1: that can kind of make up for you know, what

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Speaker 1: they would consider ills And before they know it, they're like, oh, like,

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Speaker 1: well that guy kind of dress is funny, but he's

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Speaker 1: really cool, so it's all right. Yeah, I think they'll

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Speaker 1: come around on you just about your laxadaisical dress style. Laxadaisical. Indeed. Man,

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Speaker 1: I'm gonna introduce our beverage for this episode. And I

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Speaker 1: say beverage because we are having one more cider. This

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Speaker 1: is a whiskey peach cider by Western Cider Company. This

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Speaker 1: one was sending to us by Ray. She sent us

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Speaker 1: our beer on Monday's episode, and I'm excited to share

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Speaker 1: this one with you on this episode. Yeah, another product

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Speaker 1: of Montana, just like my mom. She was born in

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Speaker 1: the great state of Montana and lived there most of

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Speaker 1: her life until college. It's a great state. And we'll

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Speaker 1: find out how great this cider is and we'll talk

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Speaker 1: about it at the end of the episode. But for now, Matt,

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Speaker 1: all right, onto the topic of hand. We're talking about

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Speaker 1: the power of investing in yourself. And we talk a

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Speaker 1: lot on the show about investing the importance of putting

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Speaker 1: your dollars into tax advantage retirement accounts and watching your

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Speaker 1: returns compound over the decades. But your personal capital is

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Speaker 1: the greatest asset that you have the power to grow

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Speaker 1: your income based on your unique skills and development is

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Speaker 1: crucial as you grow as a person, and there are

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Speaker 1: lots of ways that you can invest in yourself right.

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Speaker 1: You can invest in in your mental health, your physical health,

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Speaker 1: even your diet has a lot of effect on you

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Speaker 1: and the way that you interact with the world around

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Speaker 1: you and the way that you work. We wanted to

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Speaker 1: mention those upfront. But those are a lot of things

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Speaker 1: that we're not going to touch on a whole lot

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Speaker 1: in this episode. But there are a lot of ways

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Speaker 1: that you can grow as a person by continuing to

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Speaker 1: educate yourself over time. And I feel like it's one

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Speaker 1: of those things in personal finances where it's like the

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Speaker 1: least talked about that you can invest in yourself. You

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Speaker 1: can grow your income and your and your range of abilities,

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Speaker 1: and it just has massive impact on your bottom line

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Speaker 1: or throughout the years too. Right. Oh yeah, man, I

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Speaker 1: totally agree. We talk a lot about ways that we

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Speaker 1: can save money right, ways that we can cut our expenses,

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Speaker 1: but we don't talk as much about ways to increase

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Speaker 1: our actual income. Like you said, that's a huge level

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Speaker 1: that you can pull, and it's one that has long

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Speaker 1: lasting effects. And not only that, but it's a lever

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Speaker 1: that we can pull that is more fun. You can

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Speaker 1: cut expenses, but that's not really fun because it's removing

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Speaker 1: things from your life. Certainly, it can provide clarity and focus,

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Speaker 1: but man, how cool is it to be able to

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Speaker 1: add skills to your tool belt and to grow your

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Speaker 1: talent in just a number of different ways. Many of

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Speaker 1: us finished school, whether in high school or in college,

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Speaker 1: and we mostly stopped developing our knowledge and skills. And

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Speaker 1: so what that means is we have a comfy job

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Speaker 1: and we are we're pretty content, and that might be okay,

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Speaker 1: but challenging yourself to grow in these areas can have

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Speaker 1: a massive payoff down the road. The Internet has made

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Speaker 1: excuses a thing of the past, but honestly, man, even

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Speaker 1: before the Internet, there's just lots of different businesses and

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Speaker 1: career changes that took place with adults who had careers

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Speaker 1: that were established. It just took that willingness and that

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Speaker 1: hard work to to make that change in your life.

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Speaker 1: And that's not something that has changed at all. It's

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Speaker 1: still hard, it still takes a lot of work. But

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Speaker 1: we're lucky in the fact that we do have the Internet.

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Speaker 1: We have a lot of information at our fingertips to

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Speaker 1: help make that change happen. Yeah, that's so true. I

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Speaker 1: feel like, yeah, the Internet has taken away a lot

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Speaker 1: of our excuses. There are these abilities for us to

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Speaker 1: learn things that twenty years ago. There's a paywall essentially

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Speaker 1: to getting access to that information. There is a class

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Speaker 1: we have to take, there's a college that we have

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Speaker 1: to enroll in and now a lot of that information

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Speaker 1: is at our fingertips, and a lot of it is

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Speaker 1: being given away for free, and so doing the same

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Speaker 1: thing day in and day out and assuming that you're

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Speaker 1: going to improve or progress is unrealistic. Like you have

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Speaker 1: to actually make a change. You have to do something

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Speaker 1: different if you want to invest in yourself and make

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Speaker 1: meaningful change going forward and ultimately increasing your knowledge and

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Speaker 1: your skills in in the ways that we're going to

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Speaker 1: talk about can lead to bigger paychecks down the line.

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Speaker 1: And earning more now has compounding effects in what you

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Speaker 1: can save and invest not only now, but also in

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Speaker 1: future salaries that you can command later in the job

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Speaker 1: that you're currently in, as you grow or as you

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Speaker 1: seek new careers in different fields or just with other

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Speaker 1: companies and jel. Really, what we're talking about here is

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Speaker 1: we're encouraging folks to avoid being my opic. You might

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Speaker 1: think that a single skill or two you know will

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Speaker 1: help you to get where you want to go, and

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Speaker 1: it might write for now, but we would encourage folks

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Speaker 1: to think about becoming an overall well rounded person. Varied

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Speaker 1: interests in pursuits will likely prove to be quite useful

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Speaker 1: down the road when it comes to their careers. And

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Speaker 1: we just talked about this, but having different hobbies, Man,

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Speaker 1: it is so important to have these interests beyond our work,

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Speaker 1: these different things that are drawn to when it does

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Speaker 1: come time for retirement. Yeah, those core pursuits that we've

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Speaker 1: talked about are really helpful. But what we're talking about

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Speaker 1: here really goes a lot past that. It's career development,

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Speaker 1: it's growing your own skills, and we've got some important

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Speaker 1: thoughts on those topics coming up right after the break.

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Speaker 1: All right, Joel, we're back, and we have now some

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Speaker 1: general points on where to go and how to go

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Speaker 1: about investing in yourself. First of all, if you already

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Speaker 1: have a job, ask your boss what they need or

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Speaker 1: what the company wants, or similarly, you can go to

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Speaker 1: a coworker who maybe has the job that you're trying

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Speaker 1: to get. These are folks who you hopefully already have

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Speaker 1: a relationship with their folk, who can essentially lay out

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Speaker 1: a roadmap of the different steps that you need to take.

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Speaker 1: They can help provide you the direction and show you

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Speaker 1: exactly where you need to go as you're looking to

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Speaker 1: expand your skill set. Yeah, I feel like asking your boss, Hey, like,

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Speaker 1: what do we need to do better around here? How

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Speaker 1: can I fit into that? That's a that's a great question.

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Speaker 1: That's the way to get the ball rolling. Your boss

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Speaker 1: probably has some good ideas. I'm sure there's something lacking

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Speaker 1: in the business where you work where you could actually

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Speaker 1: step up and play a role in in providing value.

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Speaker 1: Another thing is to just kind of figure it out

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Speaker 1: for yourself. If nobody is telling you the ways you

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Speaker 1: can grow, you can take a more proactive approach. Spend

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Speaker 1: some time figuring out where or how you can add

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Speaker 1: value to your employer. For instance, maybe there's bad photography

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Speaker 1: on the website for the products where you work. You

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Speaker 1: can take a photography class on the side and learn

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Speaker 1: how to take better pictures. You could call Matt and

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Speaker 1: ask your advice on how to take better pictures. Right,

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Speaker 1: maybe the social media channel is greatly lacking and and

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Speaker 1: nobody's running it well or or even has taken the

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Speaker 1: reins to start social media channels for the business us,

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Speaker 1: and maybe you have an act for that. That's a

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Speaker 1: place that you can immediately start to add value. And

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Speaker 1: you're investing yourself by growing this skill in the business world,

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Speaker 1: and as you begin to take on added responsibility and

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Speaker 1: grow your skill level in those ways. That's gonna add

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Speaker 1: to the things that you can put on your resume

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Speaker 1: someday and also grow your value to the company that

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Speaker 1: you're working for right now. That's raight, Joel. And something

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Speaker 1: else to consider is growing a network of peers or

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Speaker 1: professionals who are also in your industry. If you're looking

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Speaker 1: to make a move professionally or maybe make more your job,

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Speaker 1: and find ways to connect to people and to grow

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Speaker 1: that that network. Like Jordan Harbinger said back on a

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Speaker 1: previous episode, contact someone in your industry every single day.

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Speaker 1: You can also attend conferences and participate in industry events,

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Speaker 1: essentially just spreading that network. You're spreading that web of

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Speaker 1: different folks who you know where you could provide value

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Speaker 1: for them immediately. It's all about those personal relationships. Those

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Speaker 1: different connections that you can make with individuals are going

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Speaker 1: to be invaluable to your career. And just keep in

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Speaker 1: mind though that it always is a two way street.

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Speaker 1: Right You contact folks and you're trying to find ways

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Speaker 1: to provide value for them now, while at the same

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Speaker 1: time keeping in mind that these different relationships can provide

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Speaker 1: value for you professionally in the long run. Yeah, Matt,

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Speaker 1: growing your network doesn't always feel like it's investing in yourself.

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Speaker 1: It feels like it's investing in others. But truly those

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Speaker 1: relationships and building them up and they're investing in yourself

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Speaker 1: at the same time. You're learning a lot from those

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Speaker 1: relationships as you build them. And also, I love what

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Speaker 1: you said about attending conferences and participating in those industry events.

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Speaker 1: They often get overlooked. There are things locally, there are

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Speaker 1: things on a national scale that we can participate in,

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Speaker 1: and the connections that we're able to make face to face,

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Speaker 1: spending quality time with people maybe that we've just met

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Speaker 1: even are invaluable as we seek to grow that network.

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Speaker 1: I know it's been the case for me, and I've

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Speaker 1: heard other people say very similar things about attending important

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Speaker 1: conferences in the field where you work. And oftentimes there

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Speaker 1: are ways that you can get your employer to put

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Speaker 1: the bill for some are all of an industry ofference.

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Speaker 1: There are ways to pitch your boss on on a

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Speaker 1: conference that will make them excited to send you and

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Speaker 1: put you up for a few days so you can

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Speaker 1: grow your skill set to better serve the current company

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Speaker 1: you work for, right, Yeah, man, In that scenario, everybody wins.

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Speaker 1: Something else we would encourage is to learn some practical

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Speaker 1: skills or just something outside of your profession. So maybe

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Speaker 1: that would working hobby of yours. It won't get you

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Speaker 1: paid more right away, but it might be just the

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Speaker 1: thing that you need to grow your creativity and your focus.

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Speaker 1: So don't count out investing time and and hobby is

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Speaker 1: and interests because of the side benefit that that it

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Speaker 1: could have on you professionally down the road. All right.

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Speaker 1: Another way to invest in yourself is to put your

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Speaker 1: thoughts down on paper. I think it can be as

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Speaker 1: simple as keeping a little journal, having something in your

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Speaker 1: pocket so you can write down thoughts or things that

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Speaker 1: hit you throughout the day. It might be something bigger.

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Speaker 1: It might be starting a blog or even writing a book.

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Speaker 1: I feel like we learned so much by writing things down,

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Speaker 1: by putting pen to paper, by getting our thoughts into

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Speaker 1: something cohesive that we can go back to and we

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Speaker 1: can look at. If we're prioritizing investing in ourselves, well,

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Speaker 1: it's important to actually take the time to unearth some

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Speaker 1: of those ideas that are going on beneath the surface.

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Speaker 1: Here so many of our best thoughts, Matt come when

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Speaker 1: our minds are wandering, like in the shower. I mean

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Speaker 1: how many, right, how many people have you talk to

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Speaker 1: and the showers where they get their best ideas. That's

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Speaker 1: the case for a lot of us, because so many

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Speaker 1: of us our days are really structured and we fail

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Speaker 1: to let our minds wander. So take a long walk,

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Speaker 1: let your mind run while you're in the shower, and

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Speaker 1: then proceed to take some time to write your thoughts down.

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Speaker 1: It can increase your writing skills and also just let

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Speaker 1: your creativity flow in a way that you normally don't

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Speaker 1: allow it to. Oh you know, actually, now I don't

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Speaker 1: prefer to get my best thoughts in the shower. I

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Speaker 1: like to be in one of these salt water chambers

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Speaker 1: with this sort of white noise washing over me that

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Speaker 1: lures me off to other dimensions. Uh, like sensory deprivation chambers.

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Speaker 1: Have you heard of these things? Oh? Yeah, dude, Honestly,

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Speaker 1: that's kind of like another hip thing. Everyone's into meditation

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Speaker 1: and sensory deprivation chambers. It's it's kind of weird. I

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Speaker 1: don't do either of them. These are these are stranger

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Speaker 1: things that I've not tried myself, but I want to

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Speaker 1: give my shots. Yeah, yeah, all right, we'll make it happen. Dude.

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Speaker 1: All I can say is sensory deprivation when you have

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Speaker 1: young kids, I can see that being really helpful. And also,

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Speaker 1: let's not forget that we learn by actually trying things.

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Speaker 1: It's easy for us to get stuck in our different routines.

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Speaker 1: We kind of clock in, we clock out, We don't

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Speaker 1: give much thought to it. We do the same things

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Speaker 1: every day after work. It takes giving yourself the space

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Speaker 1: to to try different things, and I think to also

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Speaker 1: not overthink it. I think sometimes we can kind of

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Speaker 1: get to that state of analysis paralysis, and we're afraid

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Speaker 1: to make any changes in our lives. We're afraid to

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Speaker 1: take any steps towards something that might bring us closer

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Speaker 1: to what we really and truly want in the end.

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Speaker 1: And in those cases, what we truly need to do

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Speaker 1: is to just take action. You know what, It's fun

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Speaker 1: to do. It's fun to think about all the things

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Speaker 1: that we could do. I enjoy that because I feel

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Speaker 1: like just thinking about it gets me off the hook

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Speaker 1: for actually doing it. But I know that what I

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Speaker 1: need to do is to just try it is to

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Speaker 1: give something a shot, and it's easier to kind of

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Speaker 1: keep it in recesses of my mind and think about

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Speaker 1: all the possible things that could happen if I did

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Speaker 1: try it. Living in that fantasy world actually makes it

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Speaker 1: easier on me sometimes. But I know that when I

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Speaker 1: do take those ideas seriously and I try to implement

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Speaker 1: some of them, well, sometimes I fail. Sometimes I fall

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Speaker 1: flat on my face and it doesn't work out. But

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Speaker 1: really I never know unless I try it, and so

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Speaker 1: I think of nothing else. You know. The power of

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Speaker 1: investing in yourself is to try new things, and even

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Speaker 1: if you fail, it's okay. But the worst thing is

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Speaker 1: to have these great ideas ruminating in the back of

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Speaker 1: your head about this business that you want to start,

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Speaker 1: or this way in which you want to change an industry,

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Speaker 1: or even just a way that you want to contribute

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Speaker 1: more at your current job, and holding back and not

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Speaker 1: trying it out. Ultimately, that's the biggest failure. Forcing yourself

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Speaker 1: to actually take action is a huge part of growing

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Speaker 1: your skills and refining your talent. All right, So where

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Speaker 1: do we go from here? We're gonna talk about some specific,

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Speaker 1: non traditional ways that you can invest in yourself, some

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Speaker 1: of which are even free. Right after the break, all right, Matt,

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Speaker 1: we're back and we're talking about investing in yourself, the

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Speaker 1: power of investing in yourself. And I think oftentimes when

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Speaker 1: people think about investing in themselves, preparing for the future,

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Speaker 1: making more money, changing professions, so many of the places

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Speaker 1: that we turn our places that end up costing us

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Speaker 1: a lot of money. You know. Actually just recently read

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Speaker 1: an article in The New Yorker and the author said,

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Speaker 1: you know what, my my original college degree helped me

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Speaker 1: get into journalism. That was really important for me. But

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Speaker 1: then I went to get a master's degree and basically

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Speaker 1: it hasn't done anything for me. It cost me a

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Speaker 1: lot of money, but it's not doing anything for me

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Speaker 1: when it comes to advancing me in my profession, allowing

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Speaker 1: me to earn more. And so I think it's important

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Speaker 1: for us to consider not just the idea of going

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Speaker 1: back to school, getting a master's degree, going further in

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Speaker 1: our education in that way, although that can sometimes be helpful,

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Speaker 1: but I think there are a lot of other ways,

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Speaker 1: some outside of the box ways, some less expensive ways

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Speaker 1: that people can further their education, further their learning that

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Speaker 1: can help them in their career. And I'm not saying

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Speaker 1: that you can't earn more with a higher degree, that

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Speaker 1: that those aren't important. And in particular with specific skill

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Speaker 1: sets like lawyer, doctor, architect, if you specifically want to

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Speaker 1: enter a career in that realm, then getting an advanced

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Speaker 1: degree is in obvious necessity. Yeah, the stats show that

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Speaker 1: the highest levels of education Jewel right, Like like you said,

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Speaker 1: the doctors, the professional degrees, you're gonna earn more than

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Speaker 1: three times the salary of just the lowest levels of education,

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Speaker 1: and which is like less than a high school diploma.

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Speaker 1: So essentially, the more you learn, the more you earn.

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Speaker 1: But like you said, you've got to consider the different costs.

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Speaker 1: We recently had our episode with Christie Sheen where she

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Speaker 1: talks about her pot score, which is the ratio of

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Speaker 1: what you get paid over the cost of getting that degree.

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Speaker 1: So essentially she's not just looking at the degree itself

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Speaker 1: just to get that degree, but she's looking at it

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Speaker 1: from a practical standpoint, And you have to do that

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Speaker 1: when you're considering higher education. You've got to look at

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Speaker 1: the costs. I just saw a Facebook post from a

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Speaker 1: friend who is exactly our age and has been in

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Speaker 1: school for a long long time, she just finished her

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Speaker 1: doctorate program, and she's having a hard time finding employment.

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Speaker 1: She's essentially she's over educated for the jobs that she

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Speaker 1: really wants to take on. I think it is a

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Speaker 1: warning for people that more education doesn't necessarily equate to

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Speaker 1: better jobs with more pay. If there is an advanced

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Speaker 1: degree that you think is really important that you want

430
00:19:23,760 --> 00:19:26,640
Speaker 1: to pursue and you're currently employed, we'll see if your

431
00:19:26,680 --> 00:19:29,720
Speaker 1: employer offers an incentive for you to go back to school.

432
00:19:30,040 --> 00:19:32,080
Speaker 1: That can be one of those really cool benefits that

433
00:19:32,119 --> 00:19:34,720
Speaker 1: most people don't take advantage of that you can take

434
00:19:34,760 --> 00:19:37,320
Speaker 1: advantage of. If let's say your employer is willing to

435
00:19:37,359 --> 00:19:40,600
Speaker 1: send you back and pay the cost for you to

436
00:19:40,760 --> 00:19:42,720
Speaker 1: get an m b A. Or for you to get

437
00:19:42,720 --> 00:19:44,560
Speaker 1: a master's degree in something that is going to help

438
00:19:44,600 --> 00:19:46,520
Speaker 1: you in your day job, but then it helps your

439
00:19:46,520 --> 00:19:48,480
Speaker 1: resume out for the long term at the same time,

440
00:19:48,800 --> 00:19:52,720
Speaker 1: that's totally worth considering. Yeah, and look around beyond just

441
00:19:52,840 --> 00:19:55,919
Speaker 1: the standard NBA programs. There might be some other certifications

442
00:19:55,960 --> 00:19:59,080
Speaker 1: that you haven't even thought about. For example, I'm thinking

443
00:19:59,080 --> 00:20:01,960
Speaker 1: of Seth Godin's All NBA Workshop. That's when that comes

444
00:20:02,000 --> 00:20:05,119
Speaker 1: to mind, there's a lot of other professional certifications that

445
00:20:05,160 --> 00:20:08,680
Speaker 1: you can get that will also apply to your master's program.

446
00:20:08,840 --> 00:20:10,919
Speaker 1: So if down the road you actually do decide to

447
00:20:10,920 --> 00:20:13,640
Speaker 1: get your master's, some of those programs can actually be

448
00:20:13,680 --> 00:20:16,719
Speaker 1: applied to that specific degree. Yeah, Matt, we're gonna get

449
00:20:16,760 --> 00:20:18,600
Speaker 1: into some of the lower hanging fruits, some of the

450
00:20:18,920 --> 00:20:21,640
Speaker 1: free and cheap stuff that we can take in where

451
00:20:21,640 --> 00:20:24,200
Speaker 1: we can really invest in ourselves and help our careers

452
00:20:24,320 --> 00:20:26,800
Speaker 1: and our personal talent level advance. But I think it's

453
00:20:26,800 --> 00:20:29,600
Speaker 1: worth of mentioning that it can be worth it for

454
00:20:29,680 --> 00:20:32,159
Speaker 1: us to spend money. It's not all about doing it

455
00:20:32,200 --> 00:20:34,879
Speaker 1: as cheaply as possible. If we're able to invest in

456
00:20:34,920 --> 00:20:37,560
Speaker 1: ourselves wisely, then it can be worth it to put

457
00:20:37,800 --> 00:20:41,119
Speaker 1: real money towards investing in ourselves. And so something like

458
00:20:41,240 --> 00:20:44,320
Speaker 1: you just mentioned, like Seth Godin's Alt NBA program that

459
00:20:44,359 --> 00:20:48,000
Speaker 1: could be thirty dollars really well spent those four weeks

460
00:20:48,080 --> 00:20:50,280
Speaker 1: could be life changing. I haven't done it. I think

461
00:20:50,320 --> 00:20:51,840
Speaker 1: it sounds really cool. It sounds like a lot of

462
00:20:51,840 --> 00:20:53,960
Speaker 1: fun that the people that you meet and the skills

463
00:20:53,960 --> 00:20:57,359
Speaker 1: that you learn could be easily worth thirty bucks. So

464
00:20:57,400 --> 00:20:58,960
Speaker 1: I do want to stress that it's not all about

465
00:20:59,200 --> 00:21:02,480
Speaker 1: being as rugle as possible when it comes to investing

466
00:21:02,480 --> 00:21:05,080
Speaker 1: in yourself. Like, ultimately that might be cheap. You might

467
00:21:05,119 --> 00:21:07,359
Speaker 1: be cheaping out on your own self and on your

468
00:21:07,359 --> 00:21:09,600
Speaker 1: own future if you're not willing to put some dollars

469
00:21:09,640 --> 00:21:12,800
Speaker 1: forth at the same time investing in your own personal capital.

470
00:21:13,080 --> 00:21:15,439
Speaker 1: You'll typically see a really good return for that, not

471
00:21:15,560 --> 00:21:17,840
Speaker 1: only in the level of satisfaction that you can get

472
00:21:17,840 --> 00:21:19,720
Speaker 1: out of your work, but also in the level of

473
00:21:19,760 --> 00:21:22,520
Speaker 1: income that you're able to make in the years ahead. Yeah,

474
00:21:22,560 --> 00:21:25,280
Speaker 1: you know, so much of this is dependent upon the

475
00:21:25,320 --> 00:21:27,920
Speaker 1: industry that you're in, in the cost of the education

476
00:21:28,119 --> 00:21:30,200
Speaker 1: or the you know, the program that you're looking at.

477
00:21:30,480 --> 00:21:32,800
Speaker 1: It takes a little bit of analysis to figure out

478
00:21:32,840 --> 00:21:35,000
Speaker 1: whether or not this is actually going to be worth

479
00:21:35,119 --> 00:21:37,880
Speaker 1: your time and your money. But like you said, Joel, yeah,

480
00:21:37,960 --> 00:21:39,959
Speaker 1: you don't want to end up cheaping out in an

481
00:21:39,960 --> 00:21:43,399
Speaker 1: attempt to be frugal. However, there are truly some great,

482
00:21:43,800 --> 00:21:47,240
Speaker 1: free and affordable places that we can grow ourselves, where

483
00:21:47,280 --> 00:21:49,760
Speaker 1: we can grow our skill set. Joel, Let's just talk

484
00:21:49,760 --> 00:21:52,040
Speaker 1: about books and audio books, right. If you don't like

485
00:21:52,119 --> 00:21:54,399
Speaker 1: to read, audio books are a great answer. It is

486
00:21:54,480 --> 00:21:57,720
Speaker 1: hard to find a better way to invest in yourself

487
00:21:57,800 --> 00:22:00,960
Speaker 1: than to read more or to listen to more audio books.

488
00:22:01,240 --> 00:22:04,200
Speaker 1: Hit up your local library. There's Project Guttenberg, which has

489
00:22:04,240 --> 00:22:06,959
Speaker 1: a lot of the classics, but man specifically. I've recently

490
00:22:06,960 --> 00:22:10,280
Speaker 1: found open culture dot com, which is a fantastic resource

491
00:22:10,280 --> 00:22:13,840
Speaker 1: when it comes to free online education as well as

492
00:22:13,920 --> 00:22:16,639
Speaker 1: different courses. Obviously, these are all ways that are going

493
00:22:16,680 --> 00:22:19,760
Speaker 1: to require a little bit of gumption, some self motivation,

494
00:22:19,920 --> 00:22:23,080
Speaker 1: some self direction, but you also can't beat the cost

495
00:22:23,400 --> 00:22:26,280
Speaker 1: totally free. Yeah, I love audio books. I'm about to

496
00:22:26,320 --> 00:22:29,400
Speaker 1: start listening to Shoot Dog by Phil Knight, the guy

497
00:22:29,400 --> 00:22:32,200
Speaker 1: who started Nike. I've heard awesome things about that book. Nice. Yeah,

498
00:22:32,200 --> 00:22:33,840
Speaker 1: I got it on the libby app, So I'm about

499
00:22:33,840 --> 00:22:35,400
Speaker 1: to check that one out. Wait, why is it called

500
00:22:35,400 --> 00:22:37,680
Speaker 1: shoot Dog? You know why? No, I don't know. I

501
00:22:37,680 --> 00:22:40,040
Speaker 1: don't yet because you haven't read it yet exactly. I'll

502
00:22:40,040 --> 00:22:42,440
Speaker 1: find out short, let me know. But yeah, like we

503
00:22:42,480 --> 00:22:45,000
Speaker 1: said at the beginning of the episode, the Internet has

504
00:22:45,040 --> 00:22:47,960
Speaker 1: kind of made a lot of excuses fall by the wayside.

505
00:22:48,280 --> 00:22:50,920
Speaker 1: The fact that we now have access to so many

506
00:22:50,920 --> 00:22:54,280
Speaker 1: free classic books, to so many free textbooks, to so

507
00:22:54,359 --> 00:22:58,360
Speaker 1: many free lectures from experts in the fields that were

508
00:22:58,400 --> 00:23:00,840
Speaker 1: interested in. It's really in edible when you stop to

509
00:23:00,840 --> 00:23:03,320
Speaker 1: think about it for even just a second. Podcasts are

510
00:23:03,359 --> 00:23:05,800
Speaker 1: another one of those ways that we can access information

511
00:23:05,840 --> 00:23:07,840
Speaker 1: that we that we otherwise couldn't, that people are putting

512
00:23:07,840 --> 00:23:10,000
Speaker 1: out there for free. If you wanted to grow your

513
00:23:10,040 --> 00:23:12,680
Speaker 1: knowledge in the area of personal finance, well you've got

514
00:23:12,680 --> 00:23:15,160
Speaker 1: this show right, How the Money, And there are countless

515
00:23:15,200 --> 00:23:18,160
Speaker 1: other great personal finance shows out there as well. Man,

516
00:23:18,200 --> 00:23:20,920
Speaker 1: there's one I listened to called The Knowledge Project, and

517
00:23:20,960 --> 00:23:23,119
Speaker 1: this guy, Shane Parish, does a great job of talking

518
00:23:23,160 --> 00:23:26,879
Speaker 1: to just really interesting folks every week. They're ceo s,

519
00:23:26,880 --> 00:23:28,480
Speaker 1: there are people that have started companies, there are people

520
00:23:28,520 --> 00:23:30,640
Speaker 1: that are experts in parenting, you know, whatever it is.

521
00:23:30,880 --> 00:23:33,280
Speaker 1: I learned about something new every week, and it's free

522
00:23:33,320 --> 00:23:35,479
Speaker 1: knowledge that he's putting out there. He's putting a lot

523
00:23:35,480 --> 00:23:37,200
Speaker 1: of blood, sweat and tears, a lot of hard work

524
00:23:37,400 --> 00:23:40,000
Speaker 1: into creating it, and then I reap the benefits. So

525
00:23:40,080 --> 00:23:43,120
Speaker 1: don't forsake these kind of free ways to to grow yourself,

526
00:23:43,160 --> 00:23:46,280
Speaker 1: to invest in yourself in an attempt to not only

527
00:23:46,359 --> 00:23:50,000
Speaker 1: maybe become more knowledgeable in a specific topic or field,

528
00:23:50,320 --> 00:23:52,879
Speaker 1: but also to kind of grow your knowledge across a

529
00:23:52,920 --> 00:23:56,320
Speaker 1: wide base. I kind of really like that approach, man.

530
00:23:56,400 --> 00:23:59,920
Speaker 1: I think oftentimes podcasts get a little discounted the big

531
00:24:00,080 --> 00:24:02,479
Speaker 1: cause their entertainment with a little bit of knowledge kind

532
00:24:02,520 --> 00:24:04,320
Speaker 1: of slipped in there. But there really is some true

533
00:24:04,359 --> 00:24:07,320
Speaker 1: great knowledge that you can learn via podcast. However, if

534
00:24:07,359 --> 00:24:09,720
Speaker 1: you like your education to be presented in a more

535
00:24:09,840 --> 00:24:13,640
Speaker 1: structured format, there's always online courses, and there are so

536
00:24:13,680 --> 00:24:17,560
Speaker 1: many free online courses. Ed x and course Sarah are

537
00:24:17,600 --> 00:24:20,360
Speaker 1: both fantastic sites to check out, and you've always got

538
00:24:20,359 --> 00:24:24,520
Speaker 1: ted talks and again open Culture is a fantastic resource,

539
00:24:24,760 --> 00:24:27,240
Speaker 1: and there are a lot of high level business courses

540
00:24:27,280 --> 00:24:29,360
Speaker 1: as well. Man, We're not just talking about the classics

541
00:24:29,400 --> 00:24:31,760
Speaker 1: and humanities. When recently that U saw on there I

542
00:24:31,800 --> 00:24:33,840
Speaker 1: think was offered by Penn State and it was titled

543
00:24:33,840 --> 00:24:36,880
Speaker 1: how to Apply to College, which seemed like a very

544
00:24:36,920 --> 00:24:40,640
Speaker 1: practical and amazing course to take if you're in high school, right,

545
00:24:40,760 --> 00:24:43,840
Speaker 1: I know, Yeah, applying for colleges it has become like

546
00:24:43,880 --> 00:24:46,600
Speaker 1: an art form. But Matt kind of zooming out on

547
00:24:46,640 --> 00:24:48,560
Speaker 1: this idea of investing in yourself. I feel like we

548
00:24:48,640 --> 00:24:51,080
Speaker 1: just kind of ran through a bunch of of interesting

549
00:24:51,119 --> 00:24:53,959
Speaker 1: resources that can be really helpful to people as they

550
00:24:53,960 --> 00:24:56,439
Speaker 1: start to think through how they want to invest in

551
00:24:56,480 --> 00:24:59,040
Speaker 1: theirselves and how much money they want to put into this,

552
00:24:59,119 --> 00:25:01,120
Speaker 1: and in some cases it all you makes sense for

553
00:25:01,160 --> 00:25:03,600
Speaker 1: some people in specific fields to spend a good bit

554
00:25:03,600 --> 00:25:06,880
Speaker 1: of money on investing in themselves and growing their education,

555
00:25:06,960 --> 00:25:09,639
Speaker 1: and for other people, some of these free resources and

556
00:25:09,720 --> 00:25:13,280
Speaker 1: just kind of tapping that curiosity that has maybe laid

557
00:25:13,280 --> 00:25:15,320
Speaker 1: dormant since high school is a great way to at

558
00:25:15,359 --> 00:25:18,800
Speaker 1: least begin to invest in yourself again. I think, really, ultimately,

559
00:25:18,840 --> 00:25:21,600
Speaker 1: you never know what's gonna stick, what's going to provide

560
00:25:21,640 --> 00:25:23,800
Speaker 1: value in the long run. I know some of the

561
00:25:23,840 --> 00:25:27,000
Speaker 1: things that I dabble in just as pure curiosity, even

562
00:25:27,000 --> 00:25:29,760
Speaker 1: if they don't pay off in my future career earnings

563
00:25:30,119 --> 00:25:32,359
Speaker 1: or in how I spend my time when it comes

564
00:25:32,400 --> 00:25:35,360
Speaker 1: to my day job, there are things that still are

565
00:25:35,440 --> 00:25:37,760
Speaker 1: meaningful to me. They matter a whole lot, and I'm

566
00:25:37,800 --> 00:25:39,960
Speaker 1: not gonna kind of turn off that learning spigott just

567
00:25:40,000 --> 00:25:42,560
Speaker 1: because it's not increasing my income. So just know that

568
00:25:42,680 --> 00:25:46,120
Speaker 1: investing in yourself doesn't always lead to hard skills that

569
00:25:46,560 --> 00:25:50,640
Speaker 1: directly equate to increased income. And you know what, that's okay, chedule,

570
00:25:50,680 --> 00:25:52,679
Speaker 1: But that's sort of the fine point here, right, is

571
00:25:52,840 --> 00:25:55,960
Speaker 1: that it may not only be for your own enrichment.

572
00:25:56,000 --> 00:25:57,560
Speaker 1: Like we said at the beginning, we don't want you

573
00:25:57,600 --> 00:25:59,840
Speaker 1: to be near sighted. You might learn these skills you

574
00:26:00,040 --> 00:26:04,080
Speaker 1: I commit hours to industry events. You might build professional

575
00:26:04,160 --> 00:26:07,919
Speaker 1: relationships that might seem to go nowhere for now, but

576
00:26:07,960 --> 00:26:09,959
Speaker 1: down the road. These are bridges that you have built

577
00:26:10,160 --> 00:26:13,080
Speaker 1: that you'll have the opportunity to cross because you spent

578
00:26:13,200 --> 00:26:15,760
Speaker 1: the time and the effort and sometimes the money to

579
00:26:15,840 --> 00:26:18,840
Speaker 1: invest in yourself. Yeah. Man, I feel like a lot

580
00:26:18,880 --> 00:26:21,240
Speaker 1: of what we're talking about here that there's certainly an

581
00:26:21,240 --> 00:26:23,800
Speaker 1: element and a really big one to which investing in

582
00:26:23,840 --> 00:26:27,920
Speaker 1: yourself often leads to increased earnings and a general level

583
00:26:27,960 --> 00:26:31,720
Speaker 1: of increased satisfaction. Because I think investing in yourself really

584
00:26:32,040 --> 00:26:34,480
Speaker 1: in so many ways is feeding kind of this essential

585
00:26:34,640 --> 00:26:37,400
Speaker 1: human thirst for knowledge that we have. And if anybody's

586
00:26:37,440 --> 00:26:40,800
Speaker 1: listening to this podcast, they have this thirst for personal

587
00:26:40,840 --> 00:26:44,000
Speaker 1: finance knowledge, and sometimes that comes out of necessity, that

588
00:26:44,040 --> 00:26:46,680
Speaker 1: comes out of realizing I haven't been doing this well

589
00:26:46,720 --> 00:26:48,879
Speaker 1: for a lot of years, or nobody ever taught me

590
00:26:49,200 --> 00:26:51,720
Speaker 1: how to handle my money, and so I need someone

591
00:26:51,760 --> 00:26:53,960
Speaker 1: to kind of somehow teach me the ropes, and I

592
00:26:54,000 --> 00:26:55,800
Speaker 1: feel like Matt, that's in large part kind of what

593
00:26:55,840 --> 00:26:58,160
Speaker 1: we're here to do on this show, right. But as

594
00:26:58,240 --> 00:27:01,800
Speaker 1: you're getting your personal finances together, as you're eliminating debt,

595
00:27:02,119 --> 00:27:03,959
Speaker 1: as you're investing in your four O one K, your

596
00:27:04,000 --> 00:27:06,840
Speaker 1: rath Ira, whatever you're doing to grow your wealth for

597
00:27:06,880 --> 00:27:10,439
Speaker 1: the long term, don't neglect your human capital. Don't neglect

598
00:27:10,520 --> 00:27:13,480
Speaker 1: to invest in yourself. And sometimes you're gonna easily be

599
00:27:13,520 --> 00:27:16,240
Speaker 1: able to see how that investment is going to be

600
00:27:16,240 --> 00:27:18,240
Speaker 1: able to pay off for you in either the short

601
00:27:18,359 --> 00:27:20,359
Speaker 1: term or the long term, and in other ways you

602
00:27:20,440 --> 00:27:22,280
Speaker 1: might not be able to see how it's going to

603
00:27:22,359 --> 00:27:25,879
Speaker 1: benefit you. But tapping into that curiosity and allowing yourself

604
00:27:25,960 --> 00:27:28,800
Speaker 1: to explore, especially with all the free resources that are

605
00:27:28,840 --> 00:27:31,159
Speaker 1: at your disposal now, in my mind, this this is

606
00:27:31,200 --> 00:27:34,680
Speaker 1: really a call to let our curiosity run wild and

607
00:27:34,840 --> 00:27:36,680
Speaker 1: maybe even give us the freedom to pursue things that

608
00:27:36,920 --> 00:27:39,719
Speaker 1: we never even thought possible or weren't even on our

609
00:27:39,800 --> 00:27:42,440
Speaker 1: radar before. Yeah, man, like you said, you never know

610
00:27:42,560 --> 00:27:44,760
Speaker 1: what's gonna stick. So let's take it back now to

611
00:27:45,160 --> 00:27:49,040
Speaker 1: our cider for this episode. This is Whiskey Peach Cider

612
00:27:49,080 --> 00:27:52,919
Speaker 1: by Western Cider Company. Thanks again to Ray for sending

613
00:27:52,920 --> 00:27:54,960
Speaker 1: this one our way. I'll go ahead and share my thoughts. Man,

614
00:27:54,960 --> 00:27:59,560
Speaker 1: this was a really tart and sweet cider all at

615
00:27:59,560 --> 00:28:01,600
Speaker 1: the same time time. It was just a really robust,

616
00:28:01,760 --> 00:28:04,919
Speaker 1: full flavored cider, and because of that, I really enjoyed it.

617
00:28:04,960 --> 00:28:06,439
Speaker 1: A lot of times the side as we have are

618
00:28:06,440 --> 00:28:08,919
Speaker 1: a little more dry, I enjoyed this one with it

619
00:28:08,960 --> 00:28:11,800
Speaker 1: being a little more full and robust, and with it

620
00:28:11,800 --> 00:28:14,160
Speaker 1: it had that finish of whiskey barrels, so you could

621
00:28:14,200 --> 00:28:16,920
Speaker 1: totally taste the sweetness there from the whiskey. You could

622
00:28:16,920 --> 00:28:19,399
Speaker 1: pick up on that oakness from those barrels, and so

623
00:28:19,480 --> 00:28:21,239
Speaker 1: because of that, I really enjoyed this one. Man. What

624
00:28:21,240 --> 00:28:23,480
Speaker 1: were your thoughts. Yeah, well, it's weird to hear you

625
00:28:23,520 --> 00:28:25,679
Speaker 1: say let's get back to that cider because that's just

626
00:28:25,720 --> 00:28:27,960
Speaker 1: not done quite flow Like, let's get back to that

627
00:28:28,000 --> 00:28:30,679
Speaker 1: beer right right. Yeah, we will promise not to make

628
00:28:30,680 --> 00:28:33,840
Speaker 1: it a habit, right totally. Yeah, this is a very

629
00:28:33,920 --> 00:28:36,080
Speaker 1: rare appearance of a cider on the show. But it

630
00:28:36,119 --> 00:28:38,000
Speaker 1: was really interesting, man. Yeah, I really enjoyed this one.

631
00:28:38,160 --> 00:28:40,040
Speaker 1: The two words that described it the best for me

632
00:28:40,080 --> 00:28:43,040
Speaker 1: were rustic and earthy, and so it did have these

633
00:28:43,160 --> 00:28:46,880
Speaker 1: nice peach flavors coming through a touch of vanilla I

634
00:28:46,960 --> 00:28:49,600
Speaker 1: thought on the tongue. And when I say rustic and earthy,

635
00:28:49,680 --> 00:28:52,920
Speaker 1: by the way, I mean those as really complimentary terms.

636
00:28:53,160 --> 00:28:55,960
Speaker 1: I feel like those descriptors mean that there was a

637
00:28:56,000 --> 00:28:59,719
Speaker 1: lot of love and care and that the original ingredients

638
00:29:00,040 --> 00:29:03,560
Speaker 1: that were put into this cider actually really shined through. Yeah. Man,

639
00:29:03,560 --> 00:29:05,160
Speaker 1: I would totally agree with you. It's hard to describe,

640
00:29:05,200 --> 00:29:07,640
Speaker 1: but it's almost as if the ingredients that went into

641
00:29:07,680 --> 00:29:10,600
Speaker 1: this specific cider, it's like they were processed less. I

642
00:29:10,680 --> 00:29:14,040
Speaker 1: was gonna say, handled with care. Yeah, exactly. There. So yeah,

643
00:29:14,080 --> 00:29:16,040
Speaker 1: even though we don't have ciders often on the show,

644
00:29:16,120 --> 00:29:18,600
Speaker 1: this was a fun one to drink. Always fun to

645
00:29:18,640 --> 00:29:22,000
Speaker 1: have something from the great state of Montana, Big Sky Country.

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Speaker 1: So big thanks to listener Ray for sending this one

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00:29:24,600 --> 00:29:26,400
Speaker 1: in our way. We really appreciate it. All right, now,

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00:29:26,480 --> 00:29:28,760
Speaker 1: let's get to our final thoughts for this episode really quickly.

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Speaker 1: I just want to say that challenging yourself to grow

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00:29:32,120 --> 00:29:35,400
Speaker 1: is a really important part of investing in yourself and

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00:29:35,520 --> 00:29:39,440
Speaker 1: increasing your knowledge and your skills can ultimately lead to

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00:29:39,520 --> 00:29:42,600
Speaker 1: bigger paychecks down the road, and that has compounding effects

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00:29:42,800 --> 00:29:45,160
Speaker 1: for the amount of money that you can earn over time,

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00:29:45,400 --> 00:29:48,440
Speaker 1: in addition to the personal fulfillment you can find by

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00:29:48,480 --> 00:29:52,600
Speaker 1: prioritizing that. And aside from the more traditional costly ways

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00:29:52,640 --> 00:29:55,720
Speaker 1: of higher education, Jewel, there are lots of free and

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00:29:55,760 --> 00:29:59,120
Speaker 1: affordable ways not only to gain knowledge, but to also

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00:29:59,320 --> 00:30:02,520
Speaker 1: expand your network of professionals you know in a specific

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00:30:02,520 --> 00:30:06,320
Speaker 1: industry That doesn't necessarily cost money, nor does brainstorming and

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00:30:06,320 --> 00:30:09,160
Speaker 1: getting your thoughts down on paper. When you give yourself

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00:30:09,160 --> 00:30:12,120
Speaker 1: the time to think creatively, you cannot only find ways

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00:30:12,160 --> 00:30:14,400
Speaker 1: to find more fulfillment in your work, but you can

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00:30:14,400 --> 00:30:18,040
Speaker 1: also brainstorm in ways that you can invest in yourself professionally.

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00:30:18,360 --> 00:30:21,400
Speaker 1: There are a lot of instances where spending money on

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00:30:21,440 --> 00:30:24,280
Speaker 1: our education, on investing in ourselves for the future is

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00:30:24,320 --> 00:30:27,040
Speaker 1: the default right, But just know that you don't have

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00:30:27,120 --> 00:30:29,120
Speaker 1: to spend money and that there are a lot of

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00:30:29,160 --> 00:30:31,560
Speaker 1: great free options out there. So Joel, that's gonna be

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Speaker 1: it for this episode. Man. We will have our show

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00:30:33,360 --> 00:30:36,160
Speaker 1: notes up on our website at how to money dot com.

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00:30:36,560 --> 00:30:38,240
Speaker 1: And if you like the show, if you feel like

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00:30:38,320 --> 00:30:41,400
Speaker 1: listening to this show has kind of in some way

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00:30:41,440 --> 00:30:44,400
Speaker 1: been investing in yourself, well we'd appreciate it. If you

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00:30:44,400 --> 00:30:46,640
Speaker 1: would consider telling a friend Matt and I we've got

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00:30:46,720 --> 00:30:49,520
Speaker 1: a mission to help people live rich lives on less money,

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00:30:49,680 --> 00:30:51,840
Speaker 1: and we want to see more and more folks be

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00:30:51,880 --> 00:30:54,880
Speaker 1: able to do that. Yeah, don't discount those podcasts, like

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00:30:54,920 --> 00:30:58,040
Speaker 1: we mentioned, freeway of growing your knowledge, right, Yeah, that's right.

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Speaker 1: So until next time, best friends, best friends Out