You ever eat something and walk around smiling and then someone finally tells you, you have something on your teeth, then you feel embarrased and a little upset that no one told you.

Well for a long time, I was walking around broke and confident which was one of the worst things ever. But then I read this book called, the secrets of the millionaire mind; and it was like that monent of finding out I was walkjiing something in my teeth

So in this video, I’ll tell you exactly what those things were that kept me broke actually were, and I got to be honest some of these things took me years to finally remove.

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I can afford the payments, so I can afford the item

I was in college and wanted to by a new laptop for two reasons

One for school and two for editing videos, so ofcoruse I wanted a macbook pro

It was going for about $3,000 dollars brand spanking new, my mom gave $1000 and I borrowed $2000 from a credit card interest free for about 12 months



My math was simple:

I don’t have $2,000 but I can afford to $166 a month no problem

And its going to be interest free

I can buy now and pay later



The Problem:

First I bought something I couldn’t afford

Second I closed myself off to cheaper alternatives

Third I started debt journey ( and debt makes you a slave to the lender )



What I should have Done:

A thousand dollar back them would have gotten me a reasonable laptop to do what I needed it to do ( it just would have been apple or brand new )

I could have done it, without any debt and without any payments



Ps. I later lost my job and I could barely afford to make the payments, thankfully I paid it off, and by the time I did the laptop was worth less than half



I bought things that went down in value Immediately but refused to buy things that didn’t go up in value Immediately.

I had a sneaker collection of about 23 pairs of sneakers, I lost money on nearly 8090% of them, and most of the things I bought lost value the minute I opened the box and used it

But when people spoke to me about investing, it sounded like it would take forever.



Here is an Example:

I spent literally about $500 or more each month on dumb stuff, like shoes, phones and clothing, and in one year that $6000 would turn into maybe $1000 dollars

But if I had just invested $6000 at 10%, for my entire college career

I would graduate with $30,630

The same 4 years but different time



What really happened was:

I graduated with 20k in student loan debt

A bunch of liabilities and problems





Waiting to Make More Money, to save Money

when I thought about saving money, I always felt like I didn’t have enough money to save

once I was done paying for everythign and buying everything I wanted to buy

no would be left over, so obviosuly I would need to make more money to save money



however here is the story of my income

at 10 years old, my mom gave $2$5 to go to school ( I had no savings )

at 11 I got a job and make $60 a day and quit after one week, because I thought I was set for life ( I had no savings )

17 in college my mom paid for everything and have me $10 a day ( still no savings )

17 got a job, making $1000 a month and still no savings

The idea is your expenses always rise to the level of your income if you don’t have any control




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*Some of the links and other products that appear on this video are from companies in which Tommy Bryson will earn an affiliate commission or referral bonus. Tommy Bryson is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. I'm an Accountant but I'm not your Accountant, always review information with your Accountant/CPA and your Financial Advisor.