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Welcome back wealth warriors Derek here , and

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we're tackling a biggie today those sneaky

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habits that sabotage your future

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finances . Let's be honest , I love

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an excellent takeout binge as much

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as the next person at that , but there's a difference

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between treating yourself and setting yourself

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up for an adult temper tantrum

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when the credit card bill lands . I'll

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always remember the time I got hooked on

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an absurdly overpriced designer

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water bottle . It was all sleek

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and shiny and convinced me that

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water tastes infinitely better at triple

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the price . Future Derek was not amused

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. He had to wear mismatched socks for a

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week , lesson learned . So if

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you've ever had a purchase , come back to haunt

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you . You're in the right place Today

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. It's an intervention . Your future self will

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thank you . Segment one confessions

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of a future screw up . All right , confession

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time . I am the king of procrastination . Taxes

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, filing cabinets weep at the

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thought . Is it cleaning out that junk

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closet ? And it could be when it develops its ecosystem

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? But hear me out , when that procrastination

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bites back , it's not a tickle , it's

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a full on velociraptor attack on

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the wallet and sanity In the future

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. I want to give past me a stern talking

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to , probably followed by lending me

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10 bucks until payday . Segment

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two letter from your future self . Okay

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, picture this it's 10 years from now . You

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get a mysterious letter from your future self

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. Let's see what kind of cryptic warnings

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they have . Clears their throat . Dear

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past Derek . Please , for the love of all

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that is financially sound , stop putting

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off organizing your receipts . It

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turns out that shoebox stuffed under the

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bed is not a tax approved system . Also

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, those late night infomercial buys . It

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turns out you never became a professional potato

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peeler . Thanks a lot , sincerely

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. Future you currently learning to live solely

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on ramen . Segment three

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the small wins ladder . Now , before you

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despair , building a better future isn't about

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turning into a money saving robot overnight . It's

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about those small , consistent wins . Think

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climbing a ladder . Focus on that next step , then

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the next . Soon enough , bam , you're up high , the

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world looks different . And that future you they're cheering

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you on . Segment four listener

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challenge bust . A bad habit . All right , folks , enough

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talking , it's time for action . I

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want to challenge you to do a little experiment . Think

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of one annoying money related habit you've

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been meaning to change . Maybe it's impulse

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buying snacks at the register , consistently

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hitting subscribe . Now on streaming

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services . You never watch or mindlessly

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scroll through online shops when bored

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. You know the ones that leave you

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feeling a little icky . Later this week

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, pick your target and focus on beating it . We'll

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share resources , tips and hilarious slip

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ups , because conquering even one little

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habit has a ripple effect . Spare

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change suddenly adds up . You reclaim some

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brain space , proving you can take control

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. Plus , there's nothing like knowing

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you're in this with a crew of excellent future

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focused warriors . Segment five

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overcoming procrastination , paralysis . All

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right , wealth warriors . It's time for a serious pep

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talk , because I know how it goes . We

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have goals and dreams , but procrastination

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can rear its ugly head . I feel

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you . Sometimes my to-do list

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feels like an angry troll guarding the path

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to a better financial future . But

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here's what I've learned the hard way fighting it

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with sheer willpower alone . That's a losing battle . Let's

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get smart about this . It's not about being lazy

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. It's about those

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sneaky ways our brains betray us . Remember

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that time you spent forever researching the perfect savings

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account but never opened one . That

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, my friend , is perfectionism . Parading as productivity . It

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leaves you stalled with zero progress . And

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what's the deal with simple stuff suddenly feeling enormous ? It's

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like your brain turns checking your account balance

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into scaling Mount Everest . Does anyone

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else relate ? The dread becomes heavier than the task itself . Okay

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, enough whining , is its counter attack time . Here's

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my favorite sneaky strategy the

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five minute rule . Don't think about the

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whole job . Trick yourself into starting . Set

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a timer for five measly minutes and you

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can survive anything for five minutes , right . Often

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, once you crack that initial resistance , the

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momentum takes over . And if not

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, hey , at least you took a tiny step . I want to hear about it

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. Let's turn this into

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a collective experiment . Share your

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weirdest procrastination busting

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tricks that work . We're proving that

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the future doesn't have to curse our indecisiveness

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. Let me know if you'd like to develop this further

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. We can dive deeper into specific

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money related procrastination traps

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next time . Segment six

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future . Thanks , mailbag OK

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team . This is my favorite part when we brag

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about implementing future focused actions . We

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love those small wins because they show we're

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on the right track . I've got a stack

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of messages from listeners brave enough

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to take action last week , and let's

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say that future selves around the country

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are sending out some significant high fives . Listener

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message one Confession

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I'm an online impulse shopper . This

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week , I finally unsubscribed from those

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tempting retail emails . The

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withdrawal is real , but my wallet

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is already starting to breathe easier

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. Listener

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Message 2 Okay , the five-minute

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rule actually worked . I kept putting

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off organizing my financial paperwork but

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managed to sort through one folder , feeling

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weirdly accomplished . Now , listener

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. Message 3 Finally

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booked a call with a financial advisor . Adulting

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feels so weird , but it's a good

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kind of weird . Future me , you're

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welcome . Incredible work

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everyone . Don't those victories feel good . This

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proves it's not about giant leaps . The

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moment to matters . Keep sharing on it fuels

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the whole crew . If you're still working on

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that , habit busting , that's cool too . Don't

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lose sight of where you're going . Every stumbling

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block strengthens you . Segment 7

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, mindset shift of the week . Okay

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, folks , we've talked about kicking bad habits

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, celebrating those wins , and but sometimes

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, to make profound change , we must rethink

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how we see the whole game . It's time

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for your weekly dose of mental reprogramming

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, aka the mindset shift . Here's

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this week's challenge . Instead of thinking this

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is too hard or I don't have time , embrace

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the power of not , yet Think about

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it . It doesn't erase the obstacles , but

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it magically changes how you face them . It's

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not about giving up . It's about claiming that

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space of possibility for yourself

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. For example , instead of I'll never understand

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investing , try . I don't understand

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investing , yet See the difference . That

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tiny word leaves the door open for learning

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and growth . Let's try another . Instead

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of I can't afford to save , think

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I haven't found a way to save . Yet

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. This turns struggle into strategies

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that sound silly and simple . But I

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challenge you to play with this for a week . Catch

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yourself when those limiting thoughts pop up

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and give them the old , not yet upgrade

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. You might surprise yourself with what starts

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to feel possible when you refuse to

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accept self-imposed limits . Let's

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see how this mental tweak transforms your week

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. Keep me posted with your not yet moments

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. Segment eight farewell planting

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a seed . And with that , another wealth

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whisper session draws to a close . We've

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talked about habits , mental blocks and

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the power of one small step forward

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. If you're walking away feeling a tiny bit

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more empowered than you were , then today

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was a success . Here's the thing Imagine

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yourself five years from now Future

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. You isn't perfect , but they're looking back at

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today with gratitude because you made

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choices that opened up new opportunities

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, built confidence and removed some

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of that financial worry . They feel

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in control , are unhaunted by old

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regrets . Now the question

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what's one little thing you can do today

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to set that future you up for a high five

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? Right , it could be looking at one account

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balance you've been avoiding finally trying

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that budgeting app . Or talking to a partner about

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money goals . Don't overthink it . Keep

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it small . You deserve to build a life

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you love waking up to , and every single

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action , no matter how tiny , puts

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you further down that path . Now , as

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always , wealth warriors , it would only be

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a proper send off with a request

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If this little podcast is making

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a difference for you , leave a review and

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spread the word . It helps more folks

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just like you . Join the movement . We're

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here building community , building wealth and building

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brighter futures together . Until

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next time , take care of yourself and your money

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and let's give the future you something

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to celebrate about . Thank you for joining

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me for another dose of the wealth whisper

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. Remember that building a life you love

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financially and beyond is an ongoing

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journey . And hey , who doesn't like a good

8:20

travel buddy ? If you're getting value

8:22

from these sessions , make it official

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and hit that subscribe button . Plus

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, you might stumble on some bonus content

8:28

and insider tips that only subscribers

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get access to . Don't keep the wealth

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whispering a secret . Share this episode

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with a friend , family member or co-worker

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who also dreams of ditching the money

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anxiety . Until next time . Keep

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taking steps towards that extraordinary future

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you deserve . We're in this together

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.