지저분한 중간 탐색하기: 재정적 생존 전략

### 지저분한 중간 탐색하기: 어려움을 포용하고 작은 결정을 내리기
* 🌪 "토네이도에 휩쓸렸을 때 어떤 조언을 해주시겠어요? **'어떻게 하면 살아남을 수 있을까'**를 고민해야 합니다."
* 🤝 많은 사람들이 다양한 도전과 불확실성에 압도당하는 혼란스러운 삶의 한가운데에 있지만, **혼자가 아니라는 사실**을 기억하는 것이 중요합니다.
* 🔍 작은 점진적인 선택이 시간이 지남에 따라 상당한 개선으로 이어질 수 있으므로 모든 것을 한꺼번에 고치려고 하기보다는 **'최선의 다음 결정'**을 내리는 데 집중하세요.
* 📈 재무 운영 질서와 같은 도구를 활용하여 어려운 시기에 결정을 내리고, **일시적인 문제에 대한 영구적인 해결책**을 만들지 않도록 하세요.
* 📱 소셜 미디어는 성공에 대한 환상을 심어줄 수 있지만, 많은 사람들이 자신과 마찬가지로 어려움을 겪고 있으며 **이러한 현실을 받아들이는 것이 위안**을 줄 수 있다는 사실을 인식하는 것이 중요합니다.
* 🏞 경제적으로 빠듯한 상황에서도 과도한 지출 없이 즐거운 경험을 만들 수 있는 저렴한 방법이 많이 있으니 **추억을 만들고 인생을 즐기는 것**을 잊지 마세요.
* 🎶 과거의 어려움을 되돌아보면 힘든 시기에도 **그만의 특별한 달콤함**이 있다는 것을 알 수 있으며, **회복탄력성과 감사에 대한 소중한 교훈**을 얻을 수 있습니다.
* 💪 지저분한 중간을 다른 커뮤니티와 공유하는 경험으로 받아들이고, 이러한 순간이 힘들지만 **장기적으로는 성장과 좋은 추억**으로 이어질 수 있다는 점을 기억하세요.

재정적인 어려움은 흔한 일입니다. 작고 현명한 결정을 우선시하여 '지저분한 중간'을 헤쳐나가고 안전한 미래를 구축하세요.

My wife and I are in the messy middle. These times are crazy! What advice do you have to organize life and get through this season? What's that funny acronym people say, "hodl"?  What is it? How do I say, "hold on for dear life"? That's it.

Just... just grab on! Oh man, let me let me give you some solace. So you asked what advice we have to organize life and get through the season. Man, it's hard, because like, when when when you're in a tornado, what advice do you have, man? You just got

Sometimes it literally is, "How do I survive this thing?" But you're not alone. Uh, and this is what I found, and this is the accounts I give. There's a lot of folks that are in the messy middle, and there's a lot of folks

that go through the messy middle, and it's not easy. You have a thousand different things pulling you in a thousand different directions, and all of a sudden a thousand different unknown unknowns fall on your plate. You don't have any money left over, you don't have

any time left over, you're exhausted, and you just have all this different stuff going on. So what you have to focus on is, what's the very best next decision I can make? And sometimes that decision might be, "Hey, I'm not going to shut off the

Roth funding." "Hey, I'm not going to pull money out of the emergency fund to do this thing that I want to do." Or, "Hey, I'm just going to keep my head down." "Hey, I'm going to make sure I got a pay raise and I'm going to save an additional 2% into"

My 401k... sometimes you just have to focus on making the very best next small, marginal decision until you can get through it, because a lot of people, they get in the messy middle. My financial life was an absolute disaster. How do I fix it all?

And unfortunately, it's going to be really hard to fix it all, so you've got to try to fix one small thing at a time. And one of the ways that we want to help you do that... Brian, can you hold the thing up? We have the financial order of

operations that, even as you're going through the messy middle, will help you stay true. Okay, I was doing great, and then something happened, and then I was doing great, and then something else happened. If you can use that as your... as your barometer, as your litmus test, is that right?

If you can use it as your brace to make sure that you are staying on the line that you should be. Compass; you're navigating. If you can use it as your compass... let's do some more analogies. If you can use it as a tool to

make sure that you know you're not getting too far off course, there's a very high likelihood that your future self, when you come out of the messy middle, when you get to the back end of it, will say, "Man, I'm so glad I did not"

deploy some permanent solutions to temporary problems; like stopping my savings rate, racking up credit card debt, borrowing more money than I should have, making negative financial decisions I'm going to pay for for decades that maybe I could have avoided if I would have just, like, stayed the course and kept my

Head down for the messy middle, Brian. I would share, break the illusion... um, so many people out there currently, I think because of social media, they think everybody's doing great and you're the only one in the world that's struggling, because you're looking at everybody's

highlight reel. I mean, when you look at Instagram, when you look at any type of social media, people aren't being real with you; they're telling you kind of their highlight reel of how great their life is, and that's why we did a show...

YouGov had this survey that showed how many people, um, that made half a million versus how many people made a million, and the percentages of what the public thought were crazy. I'm talking 20, like 20-plus percent on a million dollars

and that, meanwhile, you know, that's like a percent of a percent or something; it's like nothing. There aren't many people doing that. So I want you to know, Brian, everybody is struggling through what you're going through. I want you to embrace this messy middle...

where you're short on time, you're short on money... um, know that there are more people just like you than there are not, despite what social media is saying. And Bo is exactly right: each decade of your life is going to have its own special sweetness, even if it's a

struggle. And I want to encourage you: don't give up on still following the financial order of operations, but also don't give up on bedazzling your basic life and still making memories. Nothing says you have to book airfare for five... um, to go make memories; you can do

On road trips, you can do all kinds of crazy things. National parks; there's lots of ways to embrace the moment and still maximize it, both from the financial planning goals as well as from the memories.  And I don't mind sharing my experience. Shar and I put this in our 'Millionaire'

Mission,' and I've shared it on the show a bunch of times. Even in my trajectory through life, I didn't feel comfortable with money until I got to be 42 or 43 years of age. And that's with making lots of good decisions, but also going through

the messy middle of moves, you know, starting a business, changing jobs. There's all kinds of things that put me in my own messy middle. Embrace that! There's a whole community of us, and probably more of your peers are struggling through this. It's just that

we're not always honest with the people around us because, in this new modern world, we all kind of 'fake it till we make it.' And I'm saying, throw that out! Break the illusion and just realize it's going to be hard. But even this, you will

look back on just like a good country music song, and you're going to say, 'You're going to miss these years where, yeah, maybe you were short on time, maybe you were short on money,' but there's going to be its own special sweetness.  Because I even share that in the book: that my

happiest time in childhood was actually when my dad was unemployed and money was the hardest for my parents. And that's probably something to be learned from, to make sure you're not squandering the memory part of this, even when money's tight.

Survive & THRIVE In The Messy Middle!

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인생의 어려운 시기를 헤쳐나가기 위한 조언 구하기

어려운 시기의 생활 정리에 대한 조언을 요청하세요.

토네이도를 헤쳐나가는 것에 비유하며 상황의 어려움을 인정합니다.

비슷한 문제에 직면한 많은 사람들의 경험을 공유하는 데 중점을 둡니다.

제한된 자원과 수많은 미지의 요소가 있는 '지저분한 중간'의 압도적인 특성에 대한 설명입니다.

작은 것이라도 최선의 다음 결정을 내리는 데 집중하여 궤도를 유지하도록 조언합니다.

어려운 시기의 재무 안정성을 위한 전략

재무 안정성을 유지하기 위해 재무 운영 질서를 도입합니다.

과감한 조치를 피하고 일관된 프레임워크를 사용하는 것이 중요합니다.

비유(나침반, 기압계)를 사용하여 코스에 머무르는 것을 설명합니다.

일시적인 문제에 대한 영구적인 해결책에 대해 경고합니다.

어려운 시기에 피해야 할 부정적인 재무 결정의 예입니다.

소셜 미디어에서 묘사되는 완벽에 대한 환상 해소하기

소셜 미디어에서 비현실적인 삶의 묘사를 강조합니다.

부의 분배에 대한 대중의 잘못된 인식을 보여주는 설문조사를 참조하세요.

고소득자의 희귀성을 보여주는 통계.

고군분투하는 경험을 공유하고 외로움을 느끼지 않도록 격려합니다.

재무 계획과 삶의 경험 사이의 균형 유지

경제적 어려움 속에서도 기쁨을 찾고 추억을 만드는 데 중점을 둡니다.

저렴한 비용으로 추억을 만들 수 있는 방법(도로 여행, 국립공원)을 제안합니다.

노후의 재정적 불안을 극복한 개인적인 일화.

'지저분한 중간'을 헤쳐나간 개인적인 경험을 공유합니다.

어려움에 대해 솔직하게 이야기하고 완벽에 대한 환상을 깨도록 격려합니다.

어려운 시기조차도 애정을 가지고 돌아볼 수 있다는 관점.

경제적 어려움 속에서도 행복한 어린 시절을 보낸 개인적인 일화.

경제적으로 어려운 시기에도 추억을 소중히 간직하는 것의 중요성.