// THIS WAY TRUE HAPPINESS LIES // THIS WAY TRUE HAPPINESS LIES // THIS WAY TRUE HAPPINESS LIES

INTRODUCTION

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1 CHAPTER

1 MIN READ

THIS WAY

TRUE HAPPINESS

LIES

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A toolkit for surviving in a world that wants everything you’ve got

INTRODUCTION

INTRODUCTION

What follows is not an attempt to change the world. Neither is it a work of political thought, nor a shortcut to a brighter future.

It's just a toolkit

A series of practical steps – the goal being to make us better equipped to be happy in the world we find ourselves in.

We’ve spent thousands and thousands of hours researching the psychology of money and how it relates to our happiness.


Along the way, how we have come to think about money and our own lives has changed. What follows represents the essence of what we came to understand.

We believe we’re trapped in a system that keeps us in a perpetual state of wanting. We are conditioned to believe that happiness lies on the other side of our next purchase.

We believe our feelings about money are never really just about money. They’re about our families, our sense of control, our deepest fears, and our brightest hopes. 

We believe that we do better when we are together. It’s a strange time to be alive.
A lot of the battles we fight are confined to our own minds. Reaching out to each other and sharing what we’re going through can have a profound and immediate effect.

We believe anyone can fix their relationship with money. You don’t need any prior knowledge or experience. You don’t need to have any savings. 

We don’t have a reason to lie to you because we don’t have anything to sell you.

We hope this helps you.
It helped us.

INTRODUCTION

INTRODUCTION

What follows is not an attempt to change the world. Neither is it a work of political thought, nor a shortcut to a brighter future.

It's just a toolkit

A series of practical steps – the goal being to make us better equipped to be happy
in the world we find ourselves in.

We’ve spent thousands and thousands of hours researching the psychology of money and how it relates to our happiness.

Along the way, how we have come to think about money and our own lives has changed. What follows represents the essence of what we came to understand.

We believe we’re trapped in a system that keeps us in a perpetual state of wanting. We are conditioned to believe that happiness lies on the other side of our next purchase.

We believe our feelings about money are never really just about money. They’re about our families, our sense of control, our deepest fears, and our brightest hopes. 

We believe that we do better when we are together. It’s a strange time to be alive.
A lot of the battles we fight are confined to our own minds. Reaching out to each other and sharing what we’re going through can have a profound and immediate effect.

We believe anyone can fix their relationship with money. You don’t need any prior knowledge or experience. You don’t need to have any savings. 

We don’t have a reason to lie to you because we don’t have anything to sell you.

We hope this helps you.
It helped us.

the condition

the condition

the condition

the condition

the condition

the condition

L.M. SACASAS

“Endless wanting will wreck us and also the world that is our home. By contrast, our economic order and the ostensible health of our society is premised on the generation of insatiable desires, chiefly for consumer goods and services. Your contentment and mine would wreak havoc on the existing order of things.“That’s enough, thanks,” is arguably a radical sentiment.”

“Endless wanting will wreck us and also the world that is our home. By contrast, our economic order and the ostensible health of our society is premised on the generation of insatiable desires, chiefly for consumer goods and services. Your contentment and mine would wreak havoc on the existing order of things.“That’s enough, thanks,” is arguably a radical sentiment.”

THE CONDITION

THE CONDITION

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3 CHAPTERS

3 MIN READ

  • #1 THE DISEASE OF MORE

#1

THE DISEASE OF MORE

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THE DISEASE OF MORE

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THE DISEASE OF MORE

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JIMMY CARTER - CRISIS OF CONFIDENCE

FAMILY TREE OF IDEAS

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JIMMY CARTER - CRISIS OF CONFIDENCE

FAMILY TREE OF IDEAS

We find ourselves in a perpetual state of wanting. 

Each day more of our attention is hijacked by algorithmic feeds. We are bombarded with a constant stream of advertising telling us that we are not enough. Not beautiful enough. Not productive enough. Not wealthy enough.

Each new purchase or indulgence eases our discomfort for a moment. But each act of self-gratification is immediately followed by familiar feelings of emptiness. And those feelings are just as quickly replaced by the irresistible need to indulge ourselves once again. And so the cycle continues.

This endless wanting is an illness with which we’ve been infected. We live in a social and economic system that 'continually places new struggles before us while also conveniently providing consumerist solutions to them.' 'The main product of this system is manufactured desire or discontent' – we have made a world that by its nature makes us ill.

Every new interest or pursuit is turned into another struggle for self-improvement and another set of things to buy. Whether it’s an air fryer or a personal trainer, our Duolingo streak or a houseplant, no enthusiasm is safe from being bent into consumption. 

'Every aspect of our culture is designed to make us think that happiness, or something like it, always lies just on the other side of more.' We have come to believe that this forever cycle of endless wanting is a natural human condition rather than a culturally induced pathology.

This is not the case.

“This craving is the capitalist long-game: continually surface new struggles while also conveniently providing consumerist solutions to them.” 

ANNE-HELEN PETERSON

“Consumer culture in particular encourages lies. Advertising is one of the cultural mediums that has most sanctioned lying. Keeping people in a constant state of lack, in perpetual desire, strengthens the marketplace economy. Lovelessness is a boon to consumerism.”

BELL HOOKS

  • #2 ILL WITH WANT

#2

ILL WITH WANT

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#2

ILL WITH WANT

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#2

ILL WITH WANT

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KUNG FU PANDA 3 - THE MORE YOU TAKE THE LESS YOU HAVE

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KUNG FU PANDA 3 - THE MORE YOU TAKE THE LESS YOU HAVE

In exchange for living with this illness, our material wants and needs are catered for. Food, housing, medical care, bottomless entertainment, on-demand everything. These rewards are never enough. The more insecure we become, the more grateful we are for what we are given.

Each of us is born with a set of essential needs beyond the material – the need for human connection, the need to do meaningful work, the need to be treated with dignity. Needs that when unmet present as fractured internal lives characterised by feelings of loneliness, anxiety, and worthlessness.

Over time, the effects of this disease only worsen. 'This does not manifest only as over-consumption, though that is the most observable symptom. A more subtle but severe effect is the reduction of our ability to tell the difference between what we want and what we need.'

The harm this disease wreaks goes beyond distorting our internal lives. It wrecks the home that we share. The world we inhabit laden with the discarded junk of yesterday’s wants. Landfills overflow with consumer goods as the temperature climbs ever higher.

More insidious is that it makes us strangers to one other. We feel that our problems can only be solved by professionals and institutions. That we must buy services rather than rely on the goodwill of our neighbours. We want only what they have, rather than what they have to give.

Alone in our homes. Transfixed by our screens. Broke but still spending. Too sick to see that we are not alone.

  • #3 KNOW YOUR ENEMY

#3

KNOW YOUR ENEMY

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#3

KNOW YOUR ENEMY

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#3

KNOW YOUR ENEMY

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They try to infect us from our first moments of consciousness.
Some advice on protecting you kids: 

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They try to infect us from our first moments of consciousness. Some advice on protecting you kids: 

This disease is not naturally occurring. It is not an accident of nature. It was not, and is not, inevitable. This pandemic of desire is man-made but has grown far beyond our control.

It begins in our own minds. Every facet of our cognitive makeup exploited. Dopamine when we’re bored, nutrition-free fast food when we’re hungry, endless potential matches on dating apps when we’re lonely. No tomorrow; only this moment right now, and the need to satisfy our desires.

The world’s brightest minds walk the halls of the companies who work to perfect this exploitation. Trillion-dollar machines concerned only with the manufacture of wants through the manipulation of the basic wiring of our brains. Every executive a victim of this same illness. Each willing to forgo the common good in service of their own wants.

We have taken up the cause of our own oppression. Our culture reveres businessmen the way we used to worship art and artists. We worship Bezos instead of Bowie; Musk instead of Kahlo. We even see ourselves through the lens of the economic forces that shape the world around us - everything permissible in the name of greater productivity, efficiency, and economic growth.

A world built at a scale that dwarfs the human spirit. A world made by us but not for us.

To work against this enemy requires us to look at ourselves. To see the effect these manipulations have on us and the harm that they do. We must name the disease and point at those who profit from keeping us ill.

SO WHAT DOES THE RESISTANCE LOOK LIKE?

SO WHAT DOES THE RESISTANCE LOOK LIKE?

We refuse to succumb to this illness.
We refuse to have our natures exploited.
We refuse to have our pockets emptied.
We refuse to be isolated.

THE TREATMENT

THE TREATMENT

THE TREATMENT

the treatment

the treatment

the treatment

the treatment

the treatment

the treatment

THE TREATMENT

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3 CHAPTERS

10 MIN READ

  • #1 GET YOUR MIND RIGHT // IT'S ALL IN YOUR HEAD

#1

GET YOUR MIND RIGHT

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IT'S ALL IN YOUR HEAD

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GET YOUR MIND RIGHT

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GET YOUR MIND RIGHT

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IT'S ALL IN YOUR HEAD

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To get our minds right we have to understand our subconscious. To do this, we must begin a dialogue with ourselves.

In service of this, you will find some simple questions at the beginning and end of each section. 

If you find yourself answering “yes” to any of the prompts then the symptom that follows might well be relevant to you.

The questions at the end of each section are designed to be an ongoing practice. You can use these when you feel the rush of dopamine as you contemplate meeting your next want or when you begin to feel your discontent manifesting. You find templates for journalling linked here:

If you can only remember one thing to do - remember to ask your self the following question when desire overtakes you:

How did I come to want this?

The answer will be in there, and more often than not it will come from outside you. By beginning this dialogue you are making the subconscious conscious. As a result you will begin to rewire your underlying patterns of thought and increase your resistance to this disease.

  • #1 GET YOUR MIND RIGHT // IT'S ALL IN YOUR HEAD

    1. THE HEDONIC TREADMILL

A.

THE HEDONIC TREADMILL

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IMAGE

THE HEDONIC TREADMILL, EXPLAINED

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THE HEDONIC TREADMILL, EXPLAINED

DO YOU...

…doom scroll and shop when you feel anxious?

…think you might be happy if you bought/experienced just one more thing?

…enjoy the anticipation of getting new things more than their arrival?

Our happiness perpetually adjusts to our circumstances. The joy we feel at some great celebration or accomplishment fades over time. So too does the grief we feel at some loss or suffering. It is a feature of our minds that is useful for our survival.

But it can also harm us. It leaves us stuck on a treadmill where the only certainty is that what was sufficient today will be insufficient tomorrow. Our brains respond less and less favourably to rewards we have come to expect. We must travel faster and consume more to stay in the same place.

This treadmill is the engine upon which our economic system is built. We buy, we feel some sense of relief, that relief diminishes, and so we must buy again. And again. And again. The presence of technology, and by extension consumption, in every part of our lives is causing this treadmill to speed faster and faster.

Every inch of our awareness is blanketed in targeted advertising. We are assailed with visions of happiness that are always one purchase away. We cease to have purpose apart from staying on the treadmill – our inner lives hollowed out in the pursuit of external validation and the disease of more.

Stepping off this treadmill is an act of resistance.

Doing so begins with a step we have all contemplated – reassessing our relationship to technology. How do these ever-present screens shape our perception of ourselves and our wants? The more we can bring a measure of mindfulness to this engagement, the more we can slow the cycle of compulsive, unsatisfying consumption. Fewer screens, fewer wants.

Stepping off this treadmill is not a one-time thing. It is a daily practice. A continual recognition of the value of what we have now over what we must have next. An understanding that the conditions for our happiness have already been met.

In a system that profits from our discontent, the act of choosing contentment is a subversive one.

“When I was at my most burnt out pre-pandemic, traveling constantly for reporting, working all the time, the muscle under my eye twitching almost constantly, still without the language to describe what I was doing to myself, the one thing that would temporarily calm me down was buying shit.”

ANNE-HELEN PETERSON

DO THIS:

Consider how you might reduce your exposure to constant marketing. Try taking a break from social media

Take a look around you at some of things that cost you money and attention that now sit unused and unloved. Dopamine is generated at the anticipation of a reward, not its arrival.

Write down the answers to these questions:

  • How did I come to want this?

  • When I consumed something like this in the past, how long did my satisfaction last?

  • What are examples of consumption that I regret now?

  • B. YOU DON'T CARE ABOUT TOMORROW YOU

B.

YOU DON'T CARE ABOUT TOMORROW YOU

YOU
DON'T CARE ABOUT TOMORROW YOU

YOU
DON'T CARE ABOUT TOMORROW YOU

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FUTURE HOMER

HOW CAN WE HELP OUR FUTURE SELVES?

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FUTURE HOMER

HOW CAN WE HELP OUR FUTURE SELVES?

DO YOU...

…find it difficult to save, diet or exercise?

…think nothing really matters as the world is probably ending anyway?

…struggle to feel like you are worthy of your own compassion?

Our brains are wired for immediate gratification, a relic of our evolutionary past. In a world of scarcity and uncertainty, prioritising the short-term was an adaptive strategy. The idea of saving resources for a distant future self would have seemed perverse to our hunter-gatherer ancestors.

These evolutionary adaptations work against us now – disconnecting our current selves from our future selves. We struggle to empathise with the person we will become, to viscerally connect with their wants and needs.

The failure to imagine our future selves as fully realised extensions of our current selves leads to a range of problematic behaviours. For example, in the near-term – we drink too much knowing we’ll be hungover tomorrow. We stay up too late knowing we’ll be tired in the morning. Some examples far in the future – we don’t put money in our pension even though we’re dimly aware that we need to, we do things that are bad for our health even though we understand the consequences in later life may be severe.

Building empathy with our future self is an act of resistance.

To fight back against our own brains, we must learn to see our present choices through the eyes of the person we will one day be.

By anchoring ourselves in a sense of continuity across time, we access a vital source of meaning and resilience. We can begin to craft lives of greater intentionality, purpose, and compassion. It is not just a matter of financial prudence, but of existential coherence.

It’s easy to be fatalistic as we look at the condition of the world – but fatalism is a win for consumerism and we should resist it. We must treat our future selves with the same care and consideration we would extend to those we love.

DO THIS:

Write down the answers to these questions:

  • What are some things you wish your younger self had done for today you?

  • How do you picture yourself twenty years from now?

  • What do you want for your future self?

  • C. SPEND WITH INTENTION

C

SPEND WITH INTENTION

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POPE FRANCIS - A MAN OF HIS WORD

JIMMY CARR ON NOT SPENDING MONEY

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POPE FRANCIS - A MAN OF HIS WORD

JIMMY CARR ON NOT SPENDING MONEY

DO YOU...

…feel the ache of want when the new version of whatever you already have comes out?

…find yourself broke by the end of the month, but feel you’ve nothing to show for it?

…find it difficult to explain your own decisions?

We have internalised the idea that consuming less will diminish our value and limit our happiness. We believe that our spending habits and wants are purely a reflection of our authentic preferences. This is not true.

The key to finding contentment lies not in spending more but in spending better.

Investing in meaningful experiences, relationships, giving money away, and buying time – these things yield more enduring contentment and happiness than the accumulation of material things. Fixing our relationship with money won’t be achieved by shaming ourselves for our desires, but by understanding which spending habits are induced by our illness, and which reflect our authentic selves.

Spending intentionally is an act of resistance.

Spending is neither wrong nor avoidable. We make decisions about our consumption dozens of a times a day. Much like eating, we cannot give up spending – we have to come to terms with it. Spending can be beautiful – we can travel together, we can buy gifts for the ones we love, we can support causes we care about, we can buy things that we value for decades.

Do not let your money be taken from you cheaply. Do not let them empty your pockets while you look on feeling nothing. Spend with intention. Spend with joy.

DO THIS:

Don’t shame yourself for spending. It will likely lead to more of the same behaviour. You’re fighting an uphill battle against a vastly better equipped foe.

Write down the answers to these questions:

  • Will I remember this thing I’m considering buying? Will I create a new memory here?

  • Where have you spent money or time in the past that is still rewarding you? (We all have treasured memories and possessions).

  • D. COMPARISON IS THE THIEF OF JOY

D

COMPARISON IS THE THIEF OF JOY

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The only time you should look in your neighbour's bowl is to make sure that they have enough. You don't look in your neighbour's bowl to see if you have as much as them.

LOUIS C.K.

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The only time you should look in your neighbour's bowl is to make sure that they have enough. You don't look in your neighbour's bowl to see if you have as much as them.

LOUIS C.K.

DO YOU...

…feel like everyone has more than you?

…find yourself coveting things after you see other people with them?

…feel inadequate as you’re not productive and successful enough?

LESSONS LEARNED FROM SPORTS CAR DRIVERS: MORGAN HOUSEL’S INSIGHTS

We are asked daily to measure our worth against the curated highlight reels of others. We are compelled to compare ourselves to an idealised version of ourselves – one with a better phone, a meditation habit, or a more stylish wardrobe.

Our desires are profoundly shaped by those around us. One person’s consumption becomes another’s desire. Comparison becomes the thief of joy.

We must deliberately shift our gaze from what we lack to what we have. This does not mean not wanting better things, but rather beginning to think about what we want by first appreciating what we already have.

Gratitude is an act of resistance.

In a system that profits from our dissatisfaction, the act of celebrating what we have is a revolutionary one. When we orient ourselves away from lack and towards abundance, we find greater satisfaction in the present and reduce the impulse to seek fulfilment through buying.



We start to see ourselves not as incomplete projects to be endlessly upgraded, but as whole and worthy as we are. To define ourselves by what we lack is to insist on the emptiness of the human condition. But we are not empty or incomplete.



True abundance lies in the subversive power of gratitude. By appreciating what we have, we resist the oppression of comparison and reclaim our joy.

DO THIS:

Make an inventory of the things in your life that provide you with joy today. Update it over time. Half of contentment is just remembering what you already have.

Do not see yourself as an incomplete task list. There will always be weight to lose, skills to master, a promotion to get.

Measure yourself only by your own achievements – no-one else is really paying much attention.

Write down the answer to this question:

  • Do I want this thing because someone else has it?

  • E. WEALTH IS THE MONEY YOU DIDN’T SPEND

E.

WEALTH IS THE MONEY YOU DIDN’T SPEND

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“A part of all you earn is yours to keep.”

GEORGE CLASON

“Live within your income and save so that you can invest.”

CHUCK MUNGER

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“A part of all you earn is yours to keep.”

GEORGE CLASON

“Live within your income and save so that you can invest.”

CHUCK MUNGER

DO YOU...

…spend money that you don’t have?

…feel nauseated when you think about your debts?

…avoid looking at the balance of your bank account or credit cards?

Our illness keeps us at the limits of our financial capacity and consumes any surplus. But small adjustments in our spending habits allow us to build wealth rather than accumulate debt.

This serves us in two ways. Firstly, our accumulated wealth attracts interest, allowing it to grow. Secondly, having money reduces our anxiety so we don’t self-soothe by spending.

Building wealth is an act of resistance.

So what is the smallest step that we can take to build real wealth?

A small pause to consider the true value of something to us. A minor adjustment in the frequency of our spending. These small changes can be the beginning of a virtuous cycle with far-reaching effects.

Having savings provides us with a buffer against the world. It allows us to make decisions that meet our needs and not just our wants. It allows us to say no to the things that do not serve us. It creates options and opportunities for our future selves.

We must learn to take comfort in the money we have rather than the things that others see. It’s easy to mistake appearing wealthy for being wealthy. It’s even easier to mistake spending money for having money.

“Wealth is what you don’t spend, which makes it invisible and hard to learn about by observing other people’s lives. Spending is contagious; wealth is mysterious.”

MORGAN HOUSEL

“The only way to be wealthy is to not spend the money that you do have. It’s not just the only way to accumulate wealth; it’s the very definition of wealth.”

MORGAN HOUSEL

“Wealth consists not in having great possessions, but in having few wants.”

EPICTETUS

DO THIS:

Start getting your money right. Right now. See next section.

Understand that it’s the small everyday decisions that make a difference. Not everything has to be a big swing. Benefits compound over time.

Write down the answer to this question:

  • Would I still buy this if no-one would ever see it?

  • #2 GET YOUR MONEY RIGHT // YOU ARE WHAT YOU DO

#2

GET YOUR MONEY RIGHT

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YOU ARE WHAT YOU DO

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#2

GET YOUR MONEY RIGHT

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YOU ARE WHAT YOU DO

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GET YOUR MONEY RIGHT

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YOU ARE WHAT YOU DO

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More and more of our financial lives are abstracted away from us – no more cash, our virtual change rounded up, our bank accounts emptied by subscriptions we’ve lost track of.



This abstraction is lubricant for the engine of our consumption. One-click checkout, buy now pay later, six months interest-free. The gap between desire and gratification reduced to zero. Our financial security so compromised and our anxiety so all-encompassing that we just close our eyes and keep spending.



We must not be made passive. If money is the weapon of choice in this system, we cannot blindly hand over all of the ammunition.



Doing a few simple things is all it takes to reclaim control. The advice hasn’t changed in a hundred years, and it boils down to one thing:

Spend less than you earn.

  • #2 GET YOUR MONEY RIGHT // YOU ARE WHAT YOU DO

  • A. SIMPLE, BUT NOT EASY

A

SIMPLE, BUT NOT EASY

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FROM 'THE PSYCHOLOGY OF MONEY' BY MORGAN HOUSEL

Building wealth isn’t easy, but it is simple. It requires discipline, commitment, and time. Not a finance degree, a job in banking, or expert spreadsheet skills.




Consistency is our friend here, and will allow new habits to become second nature. If you are in your twenties, you are a time millionaire and in a position to play the long game. If you’re not in your twenties, the best thing you can do is start today.

DO THIS:

Don’t listen to the voice that says “it’s too late” or “I have too much debt”. There is no unrecoverable situation. 

Don’t wait. Take action today. Even the smallest step is a beginning.

  • B. SAVE EVERY SINGLE DAY

B

SAVE EVERY SINGLE DAY

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To combat the passivity which feeds our disease, we must make our relationship with money active. Anyone can do this, but it is a long-term practice. Start a daily saving ritual and stay with it for 60 days - this will establish it as a new habit, and you will begin to feel more in control of your money.



We must internalise new ideas about what makes us happy. By establishing this new identity for ourselves as savers we build resistance to the lie that only spending can ease our discomfort.

BOJACK HORSEMAN - “IT GETS EASIER”

DO THIS:

Save a small amount, £1/$1/€1 a day for 60 days, and keep track of your habit. Put your daily deposit into an instant-access high-interest rate savings account not attached to your everyday account.

When you feel the urge to spend, save instead. Give some money to your future self and feel good about it.

If you clear out your savings for a holiday or something else, don’t beat yourself up. But do save that day as well, and the next day. Make your saving habit invulnerable.

Download our iOS app and use our Habit Tracker. It’s free forever.

If you don’t have an iOS device, you can use a tool like this.

  • C. MAKE A PLAN

C

MAKE A PLAN

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SUPERCUT “I LOVE IT WHEN A PLAN COMES TOGETHER”

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SUPERCUT “I LOVE IT WHEN A PLAN COMES TOGETHER”

You can’t make good decisions without good information. You need to make a clear-eyed assessment of where you are in order to take control of your future.



We’ve built a tool called ‘Savings Genius’ that helps you map your resources, your spending, and what you can realistically save. We’ll give you guidance on how you might allocate your money between your wants today and building wealth for your future self. (It’s also free).

DO THIS:

Download our iOS app and use our Habit Tracker. It’s free forever.

If you don’t have an iOS device, you can use a tool like this.

This takes a minute. And will probably involve you digging out a payslip and trawling through a bank statement. You won’t want to do this. Don’t procrastinate – do it now while you have momentum.

  • D. RID YOURSELF OF DEBT

D

RID YOURSELF OF DEBT

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Debt is a vicious cycle that makes our illness worse. By allowing us to buy things with money we don’t have, it increases the pace of hedonic adaptation. At the same time, we become trapped by the cost of servicing our debt, which forces us to stop considering the needs of our future selves. Our anxiety increases, and so does our compulsion to consume.



It’s worth noting not all debt is bad. Things like mortgages and student loans allow us to access things that we wouldn’t be able to pay for in one go – they are also relatively low-cost. The key is to examine how a debt makes you feel, and if it fits into your aspirations for your future self.



Attack high-interest debt first. Re-finance it if possible. Throw everything at it until it’s gone. Then move onto your other debts.

HOW TO PAY OWN DEBT: STRATEGIES FOR DEBT PAYOFF

DO THIS:

Remember that your sense of the scale of money will change over time. A £10k credit card bill will seem overwhelming if you’re 22, but less so if your earnings increase as you get older. Don’t give up and don’t let despair push you further into debt.

This is a practical and proven approach to clearing your debts:

PAY OFF DEBT USING THE DEBT SNOWBALL

  • E. BUILD YOUR BUFFER

E

BUILD YOUR BUFFER

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EVERYONE IS WRONG ABOUT EMERGENCY FUNDS

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EVERYONE IS WRONG ABOUT EMERGENCY FUNDS

Your F.U.nd (aka. Fuck You Fund) is the amount of money that allows you to have control over your time and your future. It’s different for everyone but the benefits are the same. A buffer that allows you to tell whatever or whoever is holding you back to fuck off.



It’s different for everyone. We all have our own sense of what we want and need. The important thing is figuring out how much you need to feel secure.

THE GAMBLER (2014) - F*** YOU SCENE (7/10) | MOVIECLIPS

DO THIS:

Don’t compare it to others. It only matters that it provides you with a sense of security.

  • F. INVEST BORING

F

INVEST BORING

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THE ONLY INDEX FUND I’M BUYING NOW

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