AN AUSTRALIAN WEBSITE KNOWN AS MAMMA MIA HAD POSTED AN EXPERT ñ
AN EXCERPT FROM A SOMEWHAT FINANCIAL ADVISORS BOOK.
A LOT OF PEOPLE ARE IN DEBT, SUPER INTERESTING TOPIC, IT
WOULD DEFINITELY SPARK MY INTEREST, BUT THE ADVICE
THAT WAS GIVEN IN THIS PARTICULAR EXCERPT OF THE
BOOK WAS QUESTIONABLE, TO SAY THE LEAST.
THE BOOK WAS WRITTEN BY A WOMAN NAMED SIMONE, AND I JUST
WANT TO GIVE YOU A LITTLE TASTE OF WHAT SHE HAD TO SAY, AND
HOW YOU CAN GET OUT OF DEBT.
LENNY PREFACE THIS BY SAYING THAT SHE JUST RANDOMLY FOUND
HERSELF IN DEBT; SHE HAD ACCUMULATED $187,000 IN DEBT,
BECAUSE SHE WAS TRAVELING THE WORLD, RACKING UP ALL THESE
BILLS, AND SHE SAID, BEFORE I KNOW IT I HAD ALL THIS DEBT AND
I DIDN'T EXPECT IT.
SO SHE WASN'T KEEPING TRACK OF HER FINANCES, WHICH IS A
BAD IDEA, AND IT'S INTERESTING THAT THAT WAS THE STARTING
OFF POINT TO HER GIVING FINANCIAL ADVICE.
BUT SHE GOT OUT OF DEBT IN TWO YEARS, DIFFICULT THING TO
DO, SO WHAT IS EQUITY IS HER ADVICE?
IS WITH THE EXPERT SAID; "IF YOU PAY YOUR BILLS FIRST, YOU
ALWAYS HAVE MORE PILLS.
WHEN YOU PAY THE BILLS FIRST, THE UNIVERSE SAYS, OKAY,
THIS PERSON WISHES TO HONOR THEIR BILLS.
LET'S GIVE THEM MORE BILLS."
SO SHE ARGUES THAT YOU SHOULD SAVE 10%
OF WHAT YOU MAKE, BUT YOU SHOULDN'T SAVE IT WITH THE
INTENTION OF USING THAT MONEY TO PAY YOUR BILLS, YOU SHOULD
SAVE IT WITH THE INTENTION OF HONORING YOURSELF.
BECAUSE IF YOU WANT TO YOURSELF, THE UNIVERSE WILL HONOR YOU.
I'M NOT KIDDING, THAT'S WHAT SHE SAYS.
SO SHE HAS THIS THEORY, I GUESS ñ OR HYPOTHESIS ñ THAT IF YOU
JUST THINK POSITIVELY ABOUT YOUR FINANCES, THEN GOOD THINGS WILL
HAPPEN.
WHICH IS INCREDIBLY INSULTING TO PEOPLE WHO ARE STRUGGLING WITH
THEIR FINANCES, BECAUSE THEY ARE NOT PAID ENOUGH, THEY ARE
DEALING WITH STAGNANT WAGES, ALL THE THINGS WE TALK ABOUT ON
THE SHOW REGULARLY.
LET ME GIVE YOU SOME MORE.
THE NEXT THING SHE OFFERS IS THAT YOU SHOULD CARRY AROUND
THE AMOUNT OF CASH THAT YOU THINK A RICH PERSON WOULD CARRY.
HERE IS AN EXACT QUOTE FROM HER; "I LIKE TO HAVE AT LEAST
$1000 ON THE AT ALL TIMES.
I LIKE TO HAVE A BOTTLE OF WATER WITH ME AT ALL TIMES.
I LIKE TO HAVE A COLD BOTTLE OF WINE IN THE FRIDGE AT HOME."
THAT IS A WEIRD ACCOMMODATION OF SENTENCES, BUT NONETHELESS,
DON'T WALK AROUND WITH $1000 IN YOUR PURSE, OR YOUR POCKET, THAT
IS A DISASTROUS IDEA.
SO, I HAVE A VERY STRONG HYPOTHESIS ON THIS.
SHE IS EITHER COMPLETELY LYING ABOUT EVERYTHING AND TRYING TO
GET ATTENTION, OR SHE IS A RICH, CLUELESS, ENTITLED ASS.
THE ONLY THING THAT IS AGAINST THAT HYPOTHESIS IS THAT QUOTE
THAT ANA JUST READ YOU, BECAUSE HER VISION OF RICH PEOPLE IS
THAT THEY HAVE A COLD BOTTLE OF WINE IN THE FRIDGE, AND THAT
THEY ALWAYS CARRY A BOTTLE OF WATER WITH THEM.
WHEN DID I BECOME A RICH FOR SOMETHING?
AND THAT THEY HAVE $1000 IN THEIR POCKET.
BELIEVE IT OR NOT, I'M ACTUALLY GOING TO DEFEND HER.
WHAT?
GIVE IT SOME TIME.
I WILL NOT, I WILL ATTACK HER MORE VICIOUSLY.
OKAY, WELL ONE OF US LOOKED INTO THE STORY MORE THAN THE
OTHER, THAT'S WHY I'M GOING TO DEFEND HER, BUT FIRST LET
ME GET INTO WHAT HAS GOTTEN HER ñ WHAT HAS GOTTEN YOU ñ
GOT HER MORE CRITICISM.
SHE SAYS, "IF YOU AVOID HAVING MONEY ON YOU OR IN YOUR
LIFE BECAUSE YOU THINK WILL YOU WILL LOSE IT WHERE IT WILL
BE STOLEN FROM YOU, YOU WILL NEVER HAVE ENOUGH MONEY AT ALL."
SHE SAYS, "TO HAVE MONEY YOU MUST SPEND MONEY ON THINGS OF
INTENSIVE VALUE, SUCH AS GOLD, SILVER, PLATINUM, DIAMONDS
AND/OR PEARLS."
THIS IS DISASTROUS ADVICE.
I KNOW SOMEONE WHO, DURING THE FINANCIAL COLLAPSE, WAS
ABSOLUTELY WORRIED ABOUT THE VALUE OF MONEY, SO SHE
DECIDED TO SPEND ALL HER MONEY ON DIAMONDS OR SOMETHING,
AND YOU HAVE NO MONEY NOW, AND BY THE WAY, I KNOW FROM
PERSONAL EXPERIENCE WHEN I TRIED TO SELL JEWELRY THAT MY EX GAVE
ME, YOU DON'T GET A LOT OF MONEY BACK WHEN YOU SELL THAT STUFF.
OF COURSE YOU DON'T!
LOOK, IT'S ONE THING TO SAY, BUY GOLD.
IT'S QUESTIONABLE, BECAUSE IT DEPENDS ON HOW THE GOLD
MARKET IS DOING, BUT IT COULD WORK, THE MARKET COULD GO UP.
IT'S ANOTHER THING TO SAY, BUY PEARLS.
THAT IS NOT A GOOD INVESTMENT ENTITY.
AND BELIEVE IT OR NOT, DIAMONDS DON'T HAVE GOOD RESALE VALUE.
I TOTALLY BELIEVE THAT.
THERE WAS AN INTERVIEW THAT SHE HAD DONE WITH A LOCAL
TELEVISION STATION, AND SHE SAID TO OTHER THINGS THAT I
THOUGHT WERE A LITTLE QUESTIONABLE.
SO SHE SAYS, "IF YOU WERE BROUGHT UP IN THE MIDDLE
CLASS YOU FEEL, TROUBLE IN THE MIDDLE CLASS."
SHE ALSO SAID, "IF YOU WERE BROUGHT UP WITH POVERTY, YOU
FEEL TROUBLE WITH THAT."
MMM...
DISAGREE.
IF SHE IS NOT A SUPER CLUELESS RICH PERSON, I WILL BE
REALLY SURPRISED.
I HAVE OVERWHELMING EVIDENCE OF THAT IN A SECOND, BUT GO AHEAD.
SO, I ñ LOOK, I THINK IT'S UNFAIR TO TAKE A PORTION OF A
BOOK, AND THEN DRAW A CONCLUSION ABOUT WHETHER OR NOT, YOU KNOW,
THE ENTIRE BOOK IS TERRIBLE AND JUST GIVES BAD ADVICE.
I THINK THAT, UNFORTUNATELY, THEY USE POSSIBLY THE WORST
EXCERPT.
I HOPE IT'S THE WORST EXCERPT, JESUS I HOPE THERE'S A
WORSE IN THERE.
RIGHT, BECAUSE I WAS CURIOUS TO SEE HOW PEOPLE FELT AFTER
READING HER BOOK.
AND SO I WENT BACK, LOOKED AT REVIEWS FROM BEFORE THE
STORY EVER BROKE TO SEE WHAT PEOPLE THOUGHT OF IT, AND A
LOT OF PEOPLE THOUGHT IT WAS A GREAT BOOK, THAT IT
ACTUALLY DID CHANGE THEIR LIVES AND IT DID HELP THEM.
THE REASON I'M BRINGING THAT UP ñ
AND MAYBE THIS ISN'T REALLY A DEFENSE, BECAUSE I DON'T
REALLY KNOW ñ BECAUSE NONE OF US HAVE READ HER ENTIRE BOOK,
SO I FEEL REALLY UNCOMFORTABLE TOUCHING HER BASED ONLY ON THIS.
YEAH, SHE SAID CLOWNISH THINGS, BUT GUESS WHAT?
EVERYONE HAS SAID CLOWNISH THINGS, INCLUDING THE TWO
PEOPLE SITTING AT THIS DESK RIGHT NOW.
AGREE TO DISAGREE.
SO I JUST THINK, HOLD.
BEFORE YOU MAKE A JUDGMENT CALL.
I'M NOT GOING TO HOLD, NO.
I'M SUPPOSED TO READ HER CLOWN BOOK?
YEAH!
YEAH.
I'M NOT GOING TO READ HER BOOK BEFORE EVERY STORY NOW.
IF YOU SAID TO ME, THERE'S A BOOK, AND THERE'S A SECTION IN
THERE ABOUT HOW THE JEWS RULE THE WORLD AND HOW THEY STARTED
ALL THE WARS, WITH THE REST OF IT MIGHT BE GOOD.
I'M NOT GOING TO READ THE REST OF THE BOOK.
I LIKE HOW YOU WENT TO THE MOST EXTREME EXAMPLE.
I KNOW, TO MAKE A POINT.
BUT HER POSITION IN THESE EXCERPTS ARE SO
INDEFENSIBLE, I WOULD NEVER WASTE ANOTHER SECOND
READING ANY OTHER PORTION OF THE BOOK.
SO SHE SAYS, SHE WASN'T EVEN COME A QUOTE, COGNITIVELY
SURE HOW SHE GOT INTO DEBT.
WHY DON'T YOU JUST PRINT A BOOK SAYING, "I'M DUMB"?
HER DEBT WAS $187,000,
AND YOU WANT COGNITIVELY SURE HOW YOU GOT THERE?
I KNOW, BUT I THINK FIRST OF ALL, THERE ARE A LOT OF PEOPLE
WHO FIND THEMSELVES IN DEBT, AND I DON'T THINK THEY ARE STUPID, I
THINK THAT IT'S ACTUALLY INCREDIBLE EASY TO FIND YOURSELF
IN DEBT WITHOUT EVEN REALIZING THE TROUBLE THAT YOUR ñ
OR THE WHOLE THAT YOU ARE DIGGING YOURSELF INTO.
A LOT OF PEOPLE FIND THEMSELVES IN THAT SITUATION, I DON'T
THINK THEY ARE STUPID.
BUT ANA, IT'S A MATTER OF CONTEXT.
IF YOU ARE IN $18,000
WORTH OF DEBT, IT'S ONE THING AND IS STRESSING YOU OUT
BUT I THINK SHE WAS INSANELY RICH ALREADY, OR I DON'T HOW SHE
GOT THE MONEY BECAUSE SHE DIDN'T EARN IT, SHE'S A TOTAL CLOWN.
YOU DON'T KNOW THAT THOUGH.
I DO, LOOK AT THE QUOTES!
LET ME FINISH.
SHE SAYS, I WOULD DEFINITELY GO AWAY FOR A WEEKEND, OR BY A NICE
BOTTLE OF CHAMPAGNE.
I DIDN'T LIVE FROM A MENTALITY OF LACK.
YOU DON'T LIVES LIKE THAT?
RICH PEOPLE.
NEXT THING YOU KNOW YOU'RE IN THE HOLE FOR $187,000.
AND WHEN SHE FOUND OUT, SHE WENT, QUOTE, OOPS!
I'M $107,000 IN DEBT.
IF YOU ARE AN AVERAGE PERSON IN THIS COUNTRY, OR ANY
COUNTRY, AND YOU FIND YOURSELF IN THAT DEBT, YOU ARE NOT
THAT WHAT ABOUT IT BECAUSE YOU HAVE JUST DESTROYED YOUR LIFE.
AND THEN SHE SAYS, SHE DOESN'T HOW SHE GOT OUT OF DEBT.
THE WHOLE POINT OF THE BOOK IS, I'M SUCH A FINANCIAL GENIUS.
HOLD ON, THAT'S NOT TRUE.
SHE DIDN'T SAY, I DON'T KNOW HOW I GOT OUT OF DEBT, SHE JUST
SAID SHE HAD POSITIVE THINKING.
DURING HER INTERVIEW WITH THAT BOX STATION IN DENVER, SHE
TALKED ABOUT WHAT SHE DID TO GET OUT OF DEBT.
SHE THOUGHT OUTSIDE OF THE BOX, SHE THOUGHT ABOUT CREATING
THINGS FOR DIFFERENT BUSINESSES THAT ENDED UP MAKING HER A
LOT OF MONEY.
LOOK, THE REASON WHY I'M BRINGING THIS ALL UP IS BECAUSE
MY GUESS ñ AND AGAIN, IT'S A GUESS BECAUSE I HAVEN'T READ HER
ENTIRE BOOK ñ HER BOOK PROBABLY GOES INTO THE OUT-OF-THE-BOX
SOLUTIONS THAT SHE FOUND TO GET HERSELF OUT OF DEBT, AND EVEN
THOUGH THIS EXCERPT SAYS SAVE 10% OF YOUR INCOME, BUT DID
HONOR YOURSELF AND NOT PAY YOUR BILLS, OBVIOUSLY SHE PAID HER
BILLS BECAUSE SHE GOT HERSELF OUT OF THAT DEBT.
WHAT HAVE YOU DONE?
YOU JUST TOLD THE UNIVERSE THAT YOU ARE WILLING TO PAY UNDER THE
$7000 IN BILLS, THE UNIVERSE IS GOING TO GIVE YOU MORE BILLS.
SHE CONTRADICTS HERSELF.
BECAUSE SHE'S A MORON!
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