Interview: Josh Terry on TikTok, Learning Theory and Investments

hello and welcome to escape velocity today i have josh terry with me in 2020 i spent a lot of time on tick tock and this is where i discovered josh and he is a coach he's a man of many talents josh how would you describe your content on tiktok yeah i describe it as a little bit too varied but always sort of coming back to the framework of learning theory it seems to be i like to think not so much about what we're talking about but how we're thinking about it so i kind of go to a lot of different subjects but how varied your content it hasn't stopped your popularity you've got over 460 8 000 followers and 7.2 million likes which is an accomplishment yeah it's amazing it started with real estate investing related stuff and i still post that kind of material and then i went more into psychology related things life improvement things talk about art definitely gonna you know continue going down those roads but i was trying to figure it out myself like you always try to reverse engineer it eventually and try to figure out why something's working at first i thought they like it because it's about this or about that but i'm starting to see i think in a big way how it's presented i'm trying to learn how to present well and it seems seems that if if i present well people are usually open to it which is great because i mean i have such an open personality that there's no way i could stick to you know a small number of topics do you think that's uh linked to boredom i don't think so because i'm actually not that easily bored i'm just very excited to connect different ideas that's something that i'm fascinated by it's how i solve problems too if you give me a problem in one space i might you know use a different field to solve it which enables me to come up with unique solutions but it's it's certainly not the norm your interest in learning is taking you down a new direction you are going to write a book yeah as i've been making the wildly varied posts and trying to find the commonalities in it the learning theory kept coming up i've been thinking about learning theory for about 10 years at least it's something that's always been on my mind and at first i didn't think anybody would be into it but it was funny like i was doing tick tock lives and i'm like hey guys like i was thinking about doing workshops on this this and this and one of them was a learning theory and everybody was like learning theory i'm like oh really that's not the driest most boring topic okay so i mean i don't think it's dry i don't think it's boring i love it i was just not expecting it to go over as well as it did for that kind of gave me the the mental liberty to dive in and i'm thrilled because it feels like a good center for the things that i want to make for the world like i want to make a lot of different types of things but i think most of it can come back to learning theory in some way the book that i'm writing it was i i wanted something that would you know come down to a a simple straightforward topic that i chewed on for a long time i want to make it you know as easy as possible to write the book and a book that can be clear cut and stand alone easily so yeah i got to my my subject matter and topic from from that sort of process you said you were surprised about the response have you uh thought why it's been such a uh a well sought after topic yeah well it makes sense you know how you you like think think about you think certain thoughts and you're like oh well i'm just crazy and and then you know it turns out no other people think that way too so to me learning theory is the thing we should all know and that's the way i i think of it but it there's a massive gap in our culture where we don't understand simple techniques to learn we don't understand that the learning process itself can be learned we don't get that it's a skill set it just wasn't sure if i was on the same page as everybody else there but from the way people describe it it sounds like that's what they wish they knew too why wouldn't you want to know how to read a book three times faster why wouldn't you want to know how to retain information why wouldn't you want to know how to get more skilled than you would otherwise at any given skill and i mean those are the things that you can apply learning theory to and achieve i guess maybe we're ripe for it at the moment because i mean we had the information age and the information age was great i think it's over personally i think we've moved on to other things but the result of the information age was just total information glut way more than we could ever handle it was the information age happened based on that aphorism knowledge is power which is true if you have the right knowledge at the right time in the right quantity and apply it to the right thing but when you just have a massive dump of information like we've had in the past hundred years it's now on us to understand what to do with all of it so how would you describe learning theory on the broad perspective it's learning to learn for me the book is just one small aspect of learning to learn i think there's many many different ones how do you learn to absorb information faster how do you learn how to comprehend information faster what is learning i i remember when i and this is something that's missed in all sorts of fields i remember when i was younger i was so bad at math um really really bad at it i struggled with it especially algebra then i took trigonometry and i found out that algebra was a wrench and all of a sudden algebra was easy it's like oh i can use a wrench you've been telling me to pick up a wrench and look at it and turn it over and understand the wrench there was no point but as soon as i did trigonometry suddenly i realized you used algebra for something it was a tool and i took off and that was the first time i thought like wait so what are these things that i'm learning and i would go look up at the the definition of algebra and i'd realize nobody ever taught me the definition of algebra and as soon as i saw the definition it was easier and and that ended up happening with a lot of things so a lot of us don't know what something simply is because we're so used to learning things contextually and for by use cases which for most things is the way to go because that's that's quick and easy it's the dirty method but it's like what is learning and how do you do it most effectively a good founding principle inside of learning theory for me is simply this thought which is apply every fact you know and connect every fact you know to every other fact you know i mean really i like to think of it in the opposite direction but but like that's a fundamental aspect of learning theory in my mind connect every fact you know to every other fact you know and then apply every fact you know the way you would exemplify that is if you're somebody who knows nothing about latin nomenclature and you're given the latin name for some bird you aren't going to remember the name of the bird you aren't going to remember what the bird looks like and that that name is going to have no meaning to you but if you understand a little bit about latin nomenclature then you will co connect the syllables of that name to different aspects of the latin language that you understand you'll connect it to other birds in the same family that you that you recognize you'll see the color schemes and see how how the the plumage the coloring of the plumage is similar to other birds in that family you'll connect tons and tons of tons and tons of dots excuse me that will allow you to retain the information of what that bird is and what the name of the bird is if you don't do it again which is the application if you don't utilize like say in that case you just need to see the bird and recall it again if you don't go through that process with the application then you will also lose the knowledge so you have to connect knowledge to older knowledge and you have to apply the knowledge and to me that's a fundamental aspect i was never taught that in any class that that popped into my head when i was walking through a hallway i still remember it i was in the humanities building i was walking through a hallway i was like 17 years old in in the humanities building on the far end on the opposite side from the practice rooms i remember it clearly and i was like oh that's what you do and i've never seen anybody you know like almost nobody says that but if you know that that's what you're supposed to do then you can consciously go do it and that's just one aspect of learning theory and you can utilize that in so many most places of life it reminds me of times when my kids hate math at school because they have zero context of how it applies to anything in the world which is a shame because i think they all have interests that would benefit from maths and and you see that they do because my 10 year old he just hates math all together but he's always talking about setting up a business you know he's programming things so he's he's using math somewhere and i and i found that myself when i was at school when i used to program in my spare time my math scores would go up as a result of my practical application of these things and being passionate about those things connecting it to something that's that you can apply is super important i used to teach computer programming and i would always get them to do a project that they were interested in but also there's there's a meme that goes around that that you start a project in and then you start start another and start and then you never finish i would say never be too hard on yourself that project has served its purpose you you wanted to learn you wanted to recall and that you somehow wanted to try something else out so something you expand your knowledge that way yeah it depends on your goal i mean finishing projects is a skill set in and of itself but you know maybe that's not the goal of what you're trying to learn at that moment you know if you're trying to iterate on one element of learning finishing a project could be a waste of time yeah it's funny with with math i used to tell people like that if they struggled with math like i mean i mean of course once i learned this my first recommendation was go learn the definition of the thing that you're you're studying but after that my next recommendation was basically do the opposite of what you're going to be assigned in most classes which is most of the simple math problems and then one or two word problems i tell them do the bare minimum of the basic math problems and then do every single word problem in the book which those are temporarily more difficult and you have sort of a distaste for them when you first try them a lot of times but those are the ones that actually connect you to your own experience your own life experience those are the ones that actually are able to connect the mathematical logic to the real world and it's weird as you do more regular math problems you don't like get more connected to what you're doing and get more excited about it or anything like that it's just more work i mean you can get better at it like lifting weights or something but it doesn't really integrate if you do all of the word problems over time the logic starts to integrate with your own thinking because you're you're you're thinking and speaking and with speech you know it's like a lot of our logic is done with speech i mean even if you're thinking in images or you know depending on you know different people have different thought processes the the logic is still very speech oriented yeah so if if you go and and you do all the word problems in the book now what you're doing is you're following the first principle there which is connect every fact you know to every other fact you know you're tying it in with something you already understand which is speech yeah i i think what you said about integration is important and making it part of yourself or your worldview essentially when you when you say you're interconnecting all these things together you're actually creating a world view and with that integration i've found when i try and learn something new like like you say having the right definition of the thing is super important that's what i found in all facets but sometimes when i can't get a clear definition because there's too many symbols or words that you don't understand in the matrix that you're reading in order to get an understanding of that very thing i've found it uh beneficial to essentially just immerse myself in the language of it all watch different people talk about the same thing and and be okay with not understanding it fully until you know that you get to that aha moment where you start understanding it and and you built the sufficient model with the words that you don't understand yet i wondered is there [Music] a thing about immersive learning you know where people are you know go abroad learn a new language for example i found it similar in technology and finance i wonder what your thoughts are on that yeah well before that one other thing to touch on with integration is it's like you really want to go deep with it what's one of the besides hunger what's one of the number one causes of war it's those people aren't like us yeah or even better those people aren't people right like that's that viewpoint right and that's the least integrated thing not to integrating is dangerous because something that is outside of yourself is a threat it's it's not something that you feel like you can utilize it's the unknown so yeah i think it's incredibly important and immersion is amazing because i mean we know that one of the biggest strengths of a human is their adaptability and a weird part about a human's adaptability is they're not going to do it all the time they're just going to do it when they know it's time and if you go into immersion it kicks your brain and gear where it says oh well now you have to adapt you have no choice it's great for that reason and another reason that's kind of counter-intuitive i think is when you go into an immersion setting it seems overwhelming and stressful at first but if you look at it a little deep but deeper there are actually elements of it that are more relaxed because one it's complete commitment and your mind likes complete commitment when you go into an emergent setting it's very clear that what we're of what we're supposed to do now you know how like some people are like man i suck in day to day life but i just kill it anytime there's an emergency they're just on top of it well the reason why is because there's no indecision in the emergency they know what they need to do they have a job to do and they go do it and immersion has some of that but at the same time like that sounds stressful but the reality is you can actually relax because it takes a lot of the decisions off of your plate where it's like do i need to be learning this do i not need to be learning this what's useful what's not useful it actually makes it quite clear and then lastly when when you go into that setting it's overwhelming in the sense that it's a lot of new things it's not overwhelming in the sense that you know it's what you're supposed to do and possibly the most important part is it's less overwhelming because it's a given that you're gonna up it's really critical to be able to learn in a context where mistakes are acceptable and when you're not an immersion for some reason there's it's i guess maybe because we think of it more in terms of like grading and scoring when we're when we're not an immersion and when we're in immersion it's survival right it's coping when we're out of immersion and we're trying to learn there's always that sort of well did you do good you know when you're in immersion the question is did you make it when you're out of emergency did you do it well so that means that there's sort of a vested interest in doing it well which means that if you did it badly you're bad feel shame but we know that that that makes it much more difficult to learn so there's weirdly immersion is considered to be overwhelming and stressful but weirdly there are a lot of points about immersion that take the stress out of the situation is there a correlation between stress and the ability to learn effectively oh yeah i mean look if you have a poisonous snake wrapped around your leg your memorization capacity drops through the floor you're not into memorizing with this python about to to get you you know like that doesn't work because you're busy right fear is something that makes you busy you have to do so i mean i guess yeah you could say there are fear-based things that like get seared into your brain but but i mean that's so rare in comparison to consistent memorization and usually it's a negative memory anyways you know like fear-based trauma you know things like that so like i think that that fear and anxiety which is a big part of what the book is about is extremely detrimental to learning the way i like to look at is you have to put a cap on the amount of potential damage that you're putting onto your system in order to get optimum learning you have to set limitations it's going to be much much more diff difficult to to learn if you're stuck in that that fear loop now there there might be a a shift in this right in like full-on immersion because it's like okay you get dropped in the middle of a war zone in some country you've never been to you might learn the language pretty damn fast right because once again that's total commitment to learning but the reality is we can almost never get that we can almost never get total commitment to well anything but particularly learning because in the back your mind in you know day-to-day first world living you are never sure if the investment of time in this new thing that you're learning is worth it so there's always a question in your mind well should i you know be spending my time on this particular thing so so full commitment to learning is is a very very rare so yeah maybe and some like extreme circumstances fear might accelerate your learning you know in that like your survival is dependent on that yeah yeah but but you would have to be in so much alignment to make that work that it would be you know sort of kind of one of those flip of the coins whether it would work and also you know you'd probably you know get some psychological trauma along the way doing it so instead learning how to instead cap the dangers to some degree and part of that is is actually capping how much you're learning at any given point i i actually say cap newness put a limitation on how many new things you give yourself at once and then spend time playing with the things that you have and setting up a precedent for mistakes where it's like well i'm going to mess up on this stuff that's a really really good recipe for learning yeah there's almost like a budget for newness in a project for example you don't want to take on too many new things just enough new things that you're interested with maybe things that you've already mastered for example that's always a a good strategy when employing even new technology and things like that you said a lot of things about risk about fear and all those other things and that ties very well into people's finances you know they're constantly apprehensive or scared and fearful about if i put my money into this i could lose everything how do you think about learning theory with related to finances yeah i think it ties in perfectly so another another thing to know when it comes to learning is is you want to learn a small small set of things and then do them until you understand them and that's the first thing that a lot of people don't know about finances is you shouldn't learn everything about finances if you're you know having trouble with them you should learn a couple fundamental things and then try to do them and then once you do that a magical things happens which is you have a cornerstone that you can build everything else up on top of because learning comes from a learning one thing and then attaching other things to it that's the connect every fact you know to every other fact you know so that's that's the first aspect and and then in terms of fear yeah it's it's in a big way personal finances are about mitigating fear like there's a reason why the number one recommendation is get an emergency fund first it's because when you don't have an emergency fund you're more stupid like your brain doesn't work as well it's just an actual like psychological thing like you can't make as good of decisions and the more i look at financial stuff and the more i look at my own journey through it it's it's been a process of getting less stupid over time where where it's it's like no i don't need to make the the smartest decision that'll make me the most money i need to make the decision that'll make me a little bit more capable tomorrow so i mean that ties into a lot of the way that i i look at at building up wealth which is like you you start with the emergency fund you take care of places where you're bleeding money because even if you don't think about it very much some part of you knows you're bleeding money so you know if you got massive credit card debt some part of you is like jesus i'm just bleeding out on the floor and it's terrifying and then you start to take care of retirement and it's like okay so maybe you're 20 years old and you're like i want to get rich now i don't care about when i'm 65.

You don't but a part of you is still afraid that you're going to be homeless when you're 65. it's it's this weird thing of like we our desires aren't thinking about 65 but our fears are so if you can mitigate your fears to some degree where it's like oh okay i can figure out how to you know do basic you know long-term investing for retirement now i'm less fearful and now i have the knowledge that everything that's not going into those investments are can be safely risked so it's like i learned how to maintain that part and i now know that i'm not in danger i also get educated from that process right that's a great way to educate yourself in the process of investing because it's low risk learning about retirement investing so you learn the first steps of investing in anything by doing that but then you set yourself up for future success and less danger and then now you know okay you can you can up for the next 50 years and you're still good as long as you keep doing that consistent investment and what that means is now you can do a slightly more risky investment so the way you build wealth in a logistical sense is you obtain money making assets but the way you build wealth in a psychological sense in a lot of ways is become more capable of risk over time and make more and more intelligent risks and that can only be done with less and less fear so an example would be say if you haven't done any research into any companies or if you haven't done anything else like that you would maybe invest into an index fund first off because you you you've you've been diversified across the whole suite of the s p 500 or something like that then maybe if you were studying various different companies which is potentially riskier but if you've been studying it well then you can potentially get a greater reward from investing in a specific company versus a an index fund yes and i i should have said one other thing is you aren't becoming less afraid you're actually becoming more confident and that i think that is a critical differentiation because the the the fear doesn't go away but you become more confident in your capabilities and and i mean it's possible to get overconfident but but most people don't you got to be aware of like say a potential gambling addiction you know that kind of stuff but in our day-to-day lives most of our mistakes seem to be of under confidence rather than overconfidence so you know these long-term decisions make you more confident to take the risks later on down the road but yeah like you said i mean for long-term investing it's you do the things that are you know in the classic books the i will teach you to be rich by ramit sethi what is the the book of common sense investing something like that the the the you know you you follow folks like dave ramsey's advice just just the standard basic stuff of you know index fund that covers the market index index fund that covers the s p 500 you know the the total bond market you know those sorts of things you know if you want want to feel safer with some gold okay toss some gold in the into the mix you know i mean it has to hashtag bitcoin that's the other thing is like depending on what how much money you've got in all these other assets you may be like well yeah i can put my money into bitcoin which is more speculative than traditional uh asset classes yeah as you become more capable of risk it becomes more more reasonable at this point honestly i don't see why any retirement account shouldn't have a one percent allocation to a bitcoin i i actually don't see a reason why that wouldn't be reasonable because i mean the way it's described is like well if you if you're allocating one percent and that's a potentially a one percent loss with a potential 10x gain because i mean that's the current possibility it's certainly not a given but the difference between those two things is so extreme it's okay to lose one percent in a portfolio sometimes for a relatively confident gain that's so high i mean i'm not a financial advisor of course i'm a guy on the internet but yeah not financial advice but this is this thing that i've been seeing a lot of people talk about which is the one percent allocation of bitcoin is at this point kind of reasonable for the secure portfolio but then after that yeah you start to look into things that you think will win you start to look into things that you think are going to do better than the entire market right you assume that the entire market is going to do well over time and that's your solid long-term investing but after you take care of that you you don't touch that you don't risk that you go and take what extra you make past that and you go okay well what's you know maybe slightly more risky but i feel very confident that this could pay off a bit more and you don't have to go extreme you know you don't have to take all of the extra and go to vegas with it you don't have to you know yolo call options on tesla i'm not sure which is more dangerous vegas or call options short term out of the money yeah absolutely yeah i'm not sure which which ones which one's more dangerous but it's like if if you're invested in such a way that you think that you would be taken care of at 65 and you have some extra money that you could risk and you see an investment that might make it so that you can retire when you're 55 instead of 65 that's 10 years of improvement that's amazing and a lot of us don't think this way we we think from the bottom up instead of from the top down i don't know that might not be the best way to make the analogy but but it's like we we try to start now and move forwards but it's like sometimes easier to start you know 40 years from now or however many years from now depending on your age for me it's i guess closer to 30 years it's it's sometimes easier to start there and work backwards because if what that means is you're slowly increasing your risk over time while not reducing the certainty of your future it's like you can establish certainty in the us pretty confidently for 65 and then you can go 10 years earlier you know try to get some retire some investments that have a target date of you know working out then and you can establish some confidence there and once you've figured out 65 it's not that hard to come up with something that might work a little bit better that's what a one percent improvement maybe you know two percent improvement on the knowledge that you already have because it's like let's say s p 500 is is eight percent you know if if you made ten percent instead of eight percent on some investments like that's a significant change right it's a small improvement from what you already know you just need to do a little bit better if you do a little bit better that's not a big leap and once you do that okay now you're more confident now you're more sure now you've learned more and you can try it again you can try and shoot for 10 years earlier while not risking 55 or 65.

The idea is is that you start at the end and you say well if i continue contributing to my 401k i know that i'll be able to retire when i'm 65. and then you go well what happens when i want to get retired by 55 and you look at the types of investments that are performing potentially better than your 401k so ie there's more risk potentially you know and once you're confident with that then you can maybe even bring that time horizon forward to 45 or 35 with a gradient of risk increasing all your confidence in your investment abilities compound essentially yes yes because it's it's like we trying to do it in the opposite direction is like trying to start at the hardest level of the video game it's it's just not the way it works and it's it's strange because the easiest thing is the farthest out and in the video game the easiest thing is the first thing you see so it's it's it's counterintuitive but i think it's the way to go and also i want to point out like this doesn't this doesn't mean you don't take immediate opportunities what this means is it changes your psychology so you can see them better yes so it's it's like you might have something that you could do right now that would make you a millionaire two years from now maybe six months from now good for you but if you're too stupid and too frightful to to see it right if you're worried about your next month's paycheck if you're worried about the bills if you're worried about being a homeless when you're 65 if you're worried you can't see the opportunities you have to mitigate worry and grow more comfort com confident in order to take those opportunities uh one other thing is i'm not trying to say run away from worry i'm trying to say the exact opposite because it's easy to say oh try to be safe never take risks and try to run away from discomfort like that's not the story i'm trying to tell here it's the complete opposite but what i'm saying is sometimes you're not capable of diving into the deep end sometimes that doesn't work sometimes jumping in the deep end will kill you because you're you don't know how to swim right so investing in practical things that you know how that you can learn confidently how to do gives you a way to address your fears and do a small act of bravery by taking this small risk that allows you to do braver acts over time that's actually what i'm encouraging is be braver over time the the braver you are and the more confident you are the more able you are to spot a good idea a good opportunity when it comes your way yeah i think that's the other thing is is that when you've mitigated issues like your paycheck to paycheck cash flow issues or budgeting issues you can start thinking about an opportunity which is very sin is just investing in general but once you start doing that you know you do see more opportunity and and and that you can take them you know because you're still covered you're psychologically inoculated against the next level of things that worry about life in general and like what were you going to be when you're older i think it's always going to be there but i think when you look at the money in your investment in the accounts and you go oh oh oh i'm still good that that's often reassuring but you still always like well what if what if what if you know especially in today's world yeah several years ago i was you know in what seemed like an insurmountable amount of student debt i just bought a lemon car so i had to get two cars and my roommate had committed suicide so i was paying extra rent on the house because we were splitting it between three people one of them killed himself that's horrible and sad he was a really close friend but logistically speaking you know like that's higher rent you know so that was the reality is like i got to pay more money now and you know i'm getting drained on multiple fronts here i mean also i'm sad right you know because a bad thing happened he was a close friend but like this combination of things was where my life was at and i was i was certainly passed paycheck to paycheck in things going wrong like i was you know going in the hall i i moved out of that actually moved out of that house the month that my credit card maxed out like it was the end financially speaking of what i of my capacity but what's interesting about that time looking back is part of the terror of it all was i didn't know if it would work out in the end i didn't i didn't know i you know i thought man what if i'm like this when i'm 50 yeah what if i'm like this when i'm 70.

Because suffering sucks right but it's fine when you know to some degree that you can work things out and i didn't know if i could work things out at that time i didn't have that kind of confidence over time i built it with the support of you know a good friend and a lot of education and just a lot of good reinforcing things that happened they built up my confidence in that but the thing that that did it the most was actually paying off the debt and getting my retirement account started you and i would have never met if i wouldn't have done those two things because that made me more confident and being that confident made me smarter because i saw more things i started to take more opportunities because it snowballs and taking care of those things made it possible for me to do the things that i'm doing now yeah i remember the days when i got payday loans in the uk a huge interest rates had collections after me and until i really started looking at my credit score over here and actually budgeting because like i had no idea how much money i was spending every month i knew i was spending a lot because i was putting a lot on credit cards i had a young family as well it just so happens that you know when you start looking at your finances and you start understanding the concepts of cash flow and all those things and then maximizing your earning potential while you start getting surplus then you start thinking well i'm x age and i've got a family i don't want to be living paycheck to paycheck when i'm just before retirement um not putting anything aside i wasn't even doing my 401k initially with the 401k match i i regret it every day that i look at before okay because i've only been doing it for three years but it's it's a substantial amount of money and it could have been a lot more i think that's always everybody's regret is you know not having more time in the market in whatever they've invested in oh yeah i every single person i've ever spoken to that learned about investing their first response was i'm too late they could be 55 or they could be nine years old that's their response is oh god if i would have started sooner it's always the same response no matter who yeah and and the the damage from what it's like you have that psychology issue of not knowing your like the uncertain future that makes you make more fear-based decisions in the now and then and then you know not handle the finances as well and then not handling the finances has you know costs that go so far into the future i gotta that lemon car that i told you about i drove it once i drove it from my house to a friend's house because he was gonna sell it for me and he did and that was fine but the one time that i drove it i got a ticket for not having insurance normally there the officers are fine with it they're like oh yeah you just bought it it's okay yeah just make sure you you know or they'll like give you a warning or something but it was like i drove it one time and i got a ticket for not having insurance like i just bought the car and um fine like that's fine and i went to pay it and i did that you know i paid it all right away like i'm i'm not here to break the law that's not my intention i'll follow the instructions i'm happy to do so but i had so much financial anxiety that i didn't look any farther i didn't realize that there was an extra fee every month when you got that specific type of ticket right i didn't know that was a thing i thought that you paid tickets and you were done but apparently there was this extra monthly fee no and i didn't know and i didn't i didn't know until two years later i went to get my license the address on my license changed which that's a whole nother thing like i'd moved like three times but i was too anxious to you know go deal with you know changing my driver's license but i walk in i'm like finally getting my together and it's like i go to change and they're like oh sorry we can't change your address your license has been suspended for a year no crazy and it's like anxiety did that right because if i wouldn't have had that fear i would have had the willingness to go check i would have looked the extra look to go did i miss something here did i finish it off did i do what i needed to do yeah when you're living in fear you don't have that because you want to get it away from you as quickly as possible i defaulted on my very first student loan it was like a small thousand dollar loan or something and before i understood how loans worked like when i first got out of college i i defaulted on that first one i paid it off right away last year i went to get it get my credit checked for a mortgage and i expected my credit score to be like sky high because i got my together right and everything's taken care of and they were like oh sorry you have a very low credit score i'm like what and like even the one that's on my like my app you know looks great but they they give you different credit scores for credit cards yeah and it was like just in the gutter and i'm like well why and they were like oh well it says that you never paid off this loan and i did but the collections agency never reported that i paid it right and it's like there's just these little messy things and it's like it's fine like i can fix that no problem you know it's no big deal but it's it's like those little things they add up and turn it into just a hurricane of overwhelm if you're not willing to take care of them and and i think one of the only ways to take care of them is to have something in the future that looks like a better future and then take care of your small day today like you have to do those two things and then you can worry about the six month you know mega millions plan and the the the two month you know you know half a million plan you know like like those sorts of things you work these two things give you stability working on the far out and working on the day-to-day now stuff it gives you strength and it makes you braver awesome we're coming up to an hour and i don't want to take too much of your time where can people find you on the internet josh yeah find me on tick tock josh cherry plays and find me on instagram at josh terry plays those are the places for me i think what you're doing is an awesome project i'm sure you've got a young demographics on your tic toc so they're in better hands if they're following you and watching your videos about their future thanks for your time and i'll see you around thank you appreciate it welcome to the obligatory end part of the video where i say if you enjoyed that video give it a like also don't forget to subscribe and check out the links in the bio there's free stocks for robin hood weeble and there's also free money from m1 finance and free bitcoin from coinbase and swan btc have a good one

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