Jasmine Bamlet

“But it's important to keep in mind that you break out of this scarcity mindset the same way that you break out of any bad habit. You need to actively change your thinking and behavior over time. Maybe that's saying affirmations in the mirror in the morning, maybe it's pounding the table and negotiating at your job for more money every single year, maybe it's forcing yourself to order something that isn't the cheapest thing on the menu. So, while yes, I highly recommend you talk to a therapist, you also need to be making active decisions to grow your wealth instead of just hoarding it or frittering it away.”
― Vivian Tu, Rich AF: The Winning Money Mindset That Will Change Your Life

“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

“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

“No, you're not going to be able to save your way to rich. But you can save yourself out of a paycheck-to-paycheck cycle. And that is the very first step to feeling truly confident in your personal finances - and to getting you out of a lot of really desperate situations.”
― Vivian Tu, Rich AF: The Winning Money Mindset That Will Change Your Life