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- Tony Bryson talks about the importance of saving money and building a routine to manage finances. -
He believes that the hardest part is saving the first $10,000, and once
you achieve that, you can work towards saving even more, like a million
dollars. - Tony shares his money budget routine when he gets paid to avoid wasting money and make it grow. - He advises having a baseline, which is the amount needed to live comfortably and work towards goals. -
The baseline includes four main expenses: shelter (apartment or
mortgage), utilities (bills and important needs like health care and
gym), groceries, and transportation (car expenses or public
transportation). - Tony suggests having a separate account for the baseline money to avoid spending it on unnecessary things. - If you have money left over, he recommends saving and investing it wisely. - The first goal is to become debt-free, paying off short-term debts like credit cards and loans. - The second goal is to save up for emergencies, at least three to six months' worth of living expenses. -
The third long-term goal is to invest in a retirement account, like an
index fund, and consider a 15-year mortgage for a more affordable home. -
Tony emphasizes not investing until you're debt-free and have an
emergency fund to avoid dipping into your investments in times of need. - He encourages viewers to follow his routine and reach the first $10,000 savings goal.
The person talking used to be very strict with money and had a tight budget, but now they have a better method. - They learned five principles that helped them maintain their finances without risking everything. - The first principle is to never spend more money than you make. - They suggest limiting spending to a certain percentage of your income: average people should not spend more than 90%, better than average people 70%, and those wanting to be financially free should spend less than 50%. - They use a system to manage their finances, relying on automatic payments and separate debit cards for different expenses to avoid overspending. - Endurance and focus are crucial habits for financial success. - It's essential to have clear goals and stay focused on them while also enjoying life along the way. - The person admits they sometimes deviate from their plan but try to stay on track with their overall financial goals.
Overview: In this video, the speaker E-man, shares six simple steps to help with weight loss. The steps involve calculating BMI, measuring body parts, tracking meals, monitoring movements, breaking habits into smaller ones, and habit stacking.
Steps for Weight Loss:
1. Calculate Your BMI: - Use Google or online programs to find your BMI (Body Mass Index). - Enter your age, height, weight, and goal weight to know how many calories you should eat each day.
2. Measure Yourself: - Measure your arms, waist, chest, and thighs. - This helps you track progress and know if you're getting smaller or bigger.
3. Track Your Meals: - Keep a food journal or use apps like "My Fitness Pal." - Write down what you eat for breakfast, lunch, dinner, and snacks. - It helps you see how many calories you consume each day.
4. Monitor Your Movements: - Get a fitness tracker like "Misfit Flash" to know how many calories you burn daily. - This helps you understand your activity level and adjust your eating habits accordingly.
5. Break Big Habits into Small Habits: - If you have a hard time going to the gym, start by just going there and back without working out. - Gradually add exercises each time you go until it becomes a regular habit.
6. Habit Stacking: - Combine a new habit you want to develop with an existing habit. - For example, do two push-ups every morning after drinking a cup of water.
Remember, losing weight is about making small changes and being consistent over time. Stay patient and motivated as you work towards your weight loss goals!
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