Jasmine Bamlet

“Debt is a tool, the same way that shovels are a tool. It's value-neutral, and can be used for very practical, constructive purposes. The same way shovels can help you plant a beautiful garden and save you time and effort, debt can help you achieve your goals faster and with less work on your part.”
― Vivian Tu, Rich AF: The Winning Money Mindset That Will Change Your Life

“Value-based spending is easy, it's powerful and it'll probably save you money. When we start to lose touch with how much work - how much of our blood, sweat, and tears - went into getting those dollars into our bank account, it gets a lot easier to just fritter them away and somehow still end up unsatisfied with what our money got us. Value-based spending changes the question from "Do I have the money for it? to "Is it worth the work I put in to get that money?”
― Vivian Tu, Rich AF: The Winning Money Mindset That Will Change Your Life

“If you find yourself enacting this "nothing matters, so why bother" attitude toward money, first, you need to recognize that, as a human being, you have agency and you have value. YYou can do things and make choices, and you are worth something - as a worker, as a customer, as a friend and partner. And you know what you can do with agency and value? You can negotiate. So start there, whether it's getting a late fee knocked off a bill or asking for a big honkin' raise. Do the thing because you can do the thing.”
― Vivian Tu, Rich AF: The Winning Money Mindset That Will Change Your Life

“Every expense can be negotiated.
BUT: small expense are less worth the effort to negotiate.
THEREFORE: focus on bargaining down the biggest expenses in life (house, car, bills, etc.) and you'll save the most money for the least amount.”
― Vivian Tu, Rich AF: The Winning Money Mindset That Will Change Your Life