Most people don't understand the true value of money and that they're constantly being advertised to.

This is a terrible combination for their finances.

When you're constantly being advertised to, and you don't have any control over your money, you're going to spend everything you earn on things you don't even need.

A lot of my clients have had this issue in the past.

Think about how many apps there are to buy food on your phone.

If those apps didn't exist, you'd probably buy groceries and cook at home.

And now there's an app for everything.

You can buy whatever you want and have it delivered to your house.

This is why financial literacy is more and more important as time goes on and technology improves.

One of the reasons why older generations were able to save more easily was that they spent less on garbage.

They couldn't just pull out their cell phone and buy $300 worth of some random piece of trash on impulse.

Today, impulse decisions cost Americans, on average, just under $20,000 per year 🤯