Hurry lakjsd,
Black Friday is LIVE and everything on the site is ON SALE.
CLICK HERE to get $100 off individual courses & 50% off the education bundle
CLICK HERE for 30% off your first three months of the DollarWise Budgeting App
CLICK HERE & USE CODE: BF20 to claim 20% off all merch
CLICK HERE to claim 20% off Master Your Money
And I want to talk about the important distinction between shopping with reckless abandon, and investing in yourself.
See, right now, overspending is at its peak.
Between holiday shopping, Black Friday, and travel, a lot of people's pockets are feeling a little empty.
And it makes sense.
You're getting pressured from every angle to spend more to make yourself (and others) happy.
Your want to give your family and friends gifts...
You see that new gaming system on sale...
Your family is guilting you into visiting...
And every commercial and advertisement is blasting you with dopamine so you can empty your wallets for their products.
It's no wonder you end up overspending.
So lemme call out the elephant in the room:
Yes, I have my own Black Friday sale going on.
Guilty as charged!
But here's what I want you to know...
If you can't afford my courses, memberships, or merch...
I DON'T WANT YOU TO BUY IT!
Seriously.
If you look at your finances and genuinely can't make it work, I get it.
I'm not here to guilt or push you.
It's part of why everything I offer comes with a money-back guarantee of some kind.
But let me ask you something:
How do you KNOW if it's in your budget in the first place?
Are you tracking your spending, planning your budget, and allocating your Needs, Wants, and Savings?
If so, great.
If not...
I'll ask again, "How do you KNOW when you can or can't afford something?"
See, part of what I do when I have someone on the show, is break all this down for em'.
We go over their budget, figure out where they can cut back, and what they should actually be spending on.
But we also do something else.
Sometimes, people will mention going back to school, getting a certification, or buying a course they need to advance their career.
And I'm almost always FOR it.
(Even though it costs money, and occasionally a loan.)
And THAT is where you see the difference between spending and investing.
Spending is a sunk cost.
It's something you buy and use, and that's it. Done.
Food, rent, bills, fun.
Spending.
But an investment is something you buy that will help you make more money over time.
The obvious things are stocks, bonds, real estate, etc.
Here's the thing though, you can also invest in YOURSELF.
I don't dismiss college out of hand because even though it's a lot of money, the right degree can help you make MORE money over time.
Doctors have to pay a shitton to get through school.
But they also earn a crapload more in their lifetimes than most people.
Same thing with certain courses and certifications.
So when I talk about my courses and memberships, I'm talking about an investment.
Because learning how to take control of your money is how you change your life forever.
It's how you know if you can afford to spend a little extra this holiday season or not.
And it can be the difference between flying to see your family this year, or calling them before the shift you picked up over Christmas to make rent.
Like I said, I don't want you to buy things you can't afford.
I'll always put free tips into the newsletter and the show isn't going anywhere.
But if you're ready to invest in yourself instead of handing over money to Mr. Bezos, my Black Friday sale is a great time to do it.
[Claim your discounts NOW]
Next year, I don't want you to have to compare prices and eat ramen.
But you have to want it too.
Taquitos,
Caleb Hammer
P.S. Keep an eye out later tonight.
I wanna let you in on a little secret.
Here's a hint:
If you've ever wanted to experience what it's like to be on Financial Audit, you're gonna wanna pay attention.
Talk soon.
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