When it comes to money management, most people live like Go… - M.J. DeMarco

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When it comes to money management, most people live like Gollum in The Lord of the Rings. They cower in a shabby trailer, shrilling about “my precious” and how it must be guarded with dear life. Such is the existence of someone consumed by the frugality scam — the belief that obsessive expense reduction, penny-pinching, and experiential deprivation will someday pay off in the opposite: rich life experiences, freedom, and abundance. The frugality scam is like chopping off your head and bragging you’ll never suffer migraines again.

M.J. DeMarco

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Real change comes from identity and self — not from interim motivations jump-started by books or YouTube binging. Basically, you have to BE what you want to become FIRST so the actions can follow. Don’t TALK about it; BE about it. BE. ACT on being. Then HAVE.

Skills and expertise are waiting just for you. No one drops a book on your lap and gifts knowledge. You must seek it, process it, and then use it. The acquisition and application of knowledge will make you rich.

No horse gets anywhere until he is harnessed. No steam or gas ever drives anything until it is confined. No Niagara is ever turned into light and power until it is tunneled. No life ever grows great until it is focused, dedicated, disciplined. — Harry Emerson Fosdick

When it comes to money management, most people live like Gollum in The Lord of the Rings. They cower in a shabby trailer, shrilling about “my preciou… - M.J. DeMarco

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