My One Best Piece of Money Advice
Do not underestimate the power of the following math:
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[Small Steps]
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Bigtime Results
Most people simply ignore the voices in their head telling them that their finances are out of whack. Why? Because they know the path to fixing Money Mistakes can be a long, tough one. If it's going to require that much work, or that much drastic change, then it's lots easier to just duck out of the game before the first whistle even blows.
But we should never underestimate the power of new beginnings. Changing how you view your money requires no effort, really — just a bit of enlightenment. From there, then, just make tangible progress in small steps (or Baby Steps, if you will). Small accomplishments, stacked one on top of the other, can build an awfully sturdy foundation.
I want you to realize that whether all of this takes a week, a month, or a year, that precious and limited time is going to pass whether you are doing something about your life or not. I promise you that at this precise moment next year, your life will be better or worse than it is right now. It will not be the same; the choice to improve it or let it decay is undeniably yours.
— Phil McGraw, Self Matters
