00:00 – Intro
00:22 – You’re Not That Economically Valuable
01:09 – You Have an Income Ceiling (And Expenses Keep Rising)
01:48 – At the End of the Month You Have No Money Left
02:53 – Your Lifestyle Is Above Your Pay Grade
04:10 – Your Money, Time, and Energy Go to Entertainment, Not Education
05:31 – You Have No Money for Emergencies
05:54 – You Wish You Were Rich, But It’s Not Urgent Enough
06:46 – You Think All Rich People Are Evil
07:21 – You Think the Non-Evil Ones Got Lucky
08:17 – Your Future Income Is Already Spent
09:00 – You Don’t Own Assets That Grow While You Sleep
09:40 – You Think Investing Is Just Gambling
10:24 – You Don’t Track Your Net Worth
11:18 – Your Benchmark Is Your Broke Echo Chamber
12:14 – You Never Took a Big Enough Risk
14:04 – Bonus: The Two Switches That Change Everything
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