21 Reasons You’re Broke

Are you broke? Can you pinpoint why?  We’re going to give you twenty one reasons for your brokeness.  Listen hard and shape up! 1.  You think “budget’ is a bad word.  A budget doesn’t have to be a complicated spread sheet, just using Mint is a start. 2.  You try to keep up with the Jones’s.  All that stuff that you envy may be built of a house of cards made of credit card debt.  The feeling of having no debt is a better feeling than having a boat. 3.  You can’t say “no.”  You don’t have to accept every invitation that comes your way.  If your finances would be better served by saying no sometimes, that should decide it for you. 4.  You think the government will fix your problems.  Lol!  Whose government, ours?  Jeez, have you not be paying attention?  The cavalry is not coming.  They’re too busy over in the Middle East bombing stuff to give a shit about you. 5.  Finding someone to blame is more important than finding a solution.  This is an insidious practice and it will poison all aspects of your life.  Stop this immediately. 6.  You love money too much.  This was kind of unclear.  We think it means, you love the jolt you get from spending money. 7.  You think all rich people are evil.  A lot of them are but there are some good ones out there, Warren Buffett and Bill Gates have given billions of dollars to worthy causes.  But for every one of them there are ten Koch brothers running around hatching diabolical plans so I see why you think this. 8.  Holidays revolve around gifts.  I like presents so I’m guilty of this.  We all know it’s really about family etc etc, but come on, gifts! 9.  You quit learning.  You dear listener, have not because you’re reading and listening to LMM!  You can skip to the next one. 10.  You have bad habits.  We all do, some are more expensive than others.  You know what your’s are and you know you should stop.  We aren’t going to belabor the point. 11.  You impulse buy.  You can fix this with the thirty day list.  If what you want costs over X amount of dollars, you have to