Do you really know where your money is going?

We are our own worst accountants. We do a bad job of just trying to keep all the different facets of our portfolio in our minds

at any one time. [MUSIC PLAYING] It can seem incredibly overwhelming and maybe even impossible to get that debt down to zero.

What can we do instead? Well, step 1 is to actually keep track of where we're spending our money every single day.

Now, that's a challenging process to go through, for sure. I understand that. But it's an exercise that's well worth the time

because a small expense here, a small expense there, taking out a 20 out of our wallet, or swiping our card for a small expense,

we don't remember that because it's really of little consequence. But those of-little-consequence expenditures

can add up over the day, over the week, over the month, and over the year. And we might find that a substantial source of our debt

is coming from these things that we don't even remember spending money on. So try it for a week. Become a better accountant.

Track all of your purchases. You'll get a better handle on where are you spending your money, and then you can make a more intentional choice

about whether you actually want to spend it there. When we get concrete about it, what we might also find is that it reduces the stress that we have because now

it's not just relying on ourselves to remember, where is the money going, or to make up answers to that question, because we will have the real data in front of us

to make more informed and better choices. When we're looking at how other people use their money, it gives us the wrong impression about what

works for other people, what brings their happiness, and, as a result, whether it will bring happiness for ourselves. What other people present to the world is exceptionally curated.

It's not a true reflection of what they're doing, what their life is like, and how they spend those resources that they have, but it

does serve as a very visual source of social comparison for ourselves. Oftentimes, who we follow on social media, what

grabs our attention in the world around us, are those cases that are exceptional. Those people are doing so much better than us.

That's where celebrity culture comes from and why it has such appeal for us. But what does it do to us personally?

It makes us feel like we're not worthy. So I encourage all of us to not look to other people's experiences to understand how am I doing

or how should I meet my own goals that I have. [MUSIC PLAYING] Take a deep breath in.

Mindset is everything. I'm not 90 for nothing. Small steps. One motion.