Over the years, I’ve had a ton of people shape me into the person I am today. I wouldn’t be who I am if it weren’t for these people.
JP has impacted my mindset and outlook on life more than anyone else. He breaks down fundamental psychological ideas and explains them in a manner that I have seen many few others do. His lectures on YouTube helped me come to the realization that I need to live a life of meaning and purpose if I want to have a chance at being truly fulfilled.
Back when I was very unhappily struggling through college, I had the idea to devote a lot of time and energy to improving my personal finance skills. At the time, I was buying unnecessary items and needed to reign it in. I’d heard about Dave Ramsey’s radio show years earlier from my parents and realized he was publishing the same content on YouTube. I went all in. I watched all sorts of videos on checking accounts, savings accounts, Roth IRAs, 401ks, HSAs, etc. You name it, I had probably heard of it. When it comes to teaching the fundamentals of personal finance, Dave is one of the best.
The one thing that I have to note, however, is that Dave serves a very targeted audience: undisciplined individuals. The biggest evidence of this is that preaches that credit cards are inherently bad. This is simply false. I, like many others, exclusively use credit cards for every purchase and I have never once paid a penny of interest. Plus, the amount of cashback I earn is between 2%-5% on every purchase. Moral of the story: don’t blame the tool, blame the operator.
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