Dynamic Dialogue with Danny Matranga - 196: Bolstering Your Financial Health (with Josh Smith of The Market Hustle)

Episode Date: May 27, 2022

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Welcome in guys to a special episode of the dynamic dialogue podcast. Today I'm sitting down with Josh Smith, also known as the market hustle, one of my go to resources for financial wealth creation advice on the internet. There's so much noise, there's so much junk, just like the fitness space. It's oftentimes hard to figure out what's the best way to spend my money. What's the best way to invest my money? What are some habits and things that I can do to better use my money and set myself up for success in the future? And as somebody who's interested in personal finance and is quite adept at drawing parallels between certain things, I could not help but notice that much of what makes people successful in fitness

and the psychology behind those habits are similar when it comes to wealth management. So I'm sitting down today with Josh Smith of The Market Hustle to share with you guys some things that you can do to improve your financial health, because I believe that's a huge component of your overall health. Sit back and enjoy. Josh, how's it going, man? It's going great, man. Thank you so much for having me on here, Daniel. It's a pleasure to finally get to speak with you. Absolutely, man. Anytime. For those of you who don't know Josh or Josh's account, The Market Hustle, it's a finance account that I have shared quite a bit of on my Instagram. It's one of my go-to

kind of personal finance slash wealth creation, wealth management accounts. Josh does a phenomenal job of aggregating information and putting it together in a way that's digestible. And I think particularly younger people, they're very interested in ways that they can better manage their money, make their money work for them, avoid some of the common pitfalls when it comes to money management. And Josh's philosophy around money is so similar to how I look at fitness. I had to get him on the podcast because I'm a firm believer that financial health is a component of your overall health. And financial stress can be a problem for your marriage, for anxiety, for stress,

depression, you name it. And getting your money right is huge and everybody can do it with small steps. I'm convinced of that no matter where you're at. So Josh, I'd love it if you could kind of intro for everybody who you are, what got you into finance, personal finance, and what you're working on now before we get into some questions. Definitely. Yeah. So yeah, my name is Josh. I've been investing for roughly nine years ago. I'm 26 years old. So I don't want people to think I have everything figured out. And I'm like this 50 year old guy living the life and everything. I'm still figuring out a lot of things on my ends. But to keep it kind of short, I started the market hustle in 2017, so roughly five years ago.

And the whole reason why I started the page was because I wanted to build something that I can share what I learn as I learn it, right? And that's what I've been doing for the past five years. As I learn things, as I go through different finance books, and as I'm trying to tailor my specific investing strategy, I share that openly, like kind of the concepts and the principles I learned with everybody in my audience. So that's kind of how I got started five years ago is it was mostly just a hobby. I started my page, just kind of throwing some stuff out there. I didn't think anybody wanted to really learn about finance because like talking about finance isn't really sexy. Like people don't really go out there out of their way to like, you know, bullshit about stocks.

And I mean, they will when there's like crazy markets, like we saw the past couple of years, you'll start hearing people bullshit about stocks and everything. But generally speaking, a lot of finance is pretty boring. So my whole philosophy has been just trying to like make it more interesting and kind of make the concepts simple, easy, digestible. And in a way

for people to people similar to like my age or that are in my age group to like deeply understand what I'm talking about. Cause I mean, I'm sure you've, you've had your time in the finance or trying to learn stuff as well. Cause we've kind of gone back and forth a little bit. A lot of the stuff out there is just kind of complex. Like the whole Wall Street side of things tries to keep things complex on purpose because they make a lot of money doing so. So that's kind of where I've found my fit into my personal finance business is I've been trying to just simplify the core concepts and make them easy digestible for everybody to learn if they want to learn.

Yeah. And you do a really good job of that. And you've hit on something initially that I love, which is that you're figuring it out as you go. You're sharing the learning process. Obviously, you have an extremely high level of expertise. And I'm younger myself. We're the same age. And there is a certain amount of wisdom that comes from just having practiced, having read, having been in the trenches. It's not all correlated with age. You have quite a bit of wisdom for somebody who's 26, but I think a lot of that comes from your humility, your desire to learn, share that learning experience. And something I love about what you do is you don't speak in

absolutes, which is super common in the financial world. It's super common in the fitness world, as if to say like, look, I've got it all figured out. This is the best diet. It's super common in the fitness world as if to say like, look, I've got it all figured out. This is the best diet. This is the best workout. In the same way, people might say, this is the best crypto. This is the best stock. And I think that the truth of the matter is all these situations are a bit more nuanced. They're a bit more dynamic. And just generally rounding out your understanding of fitness and finance and building a good platform is critical for whether it's building long-term health or building long-term wealth. Anybody can get lucky. They can win the genetic lottery. They can just have a great physique, or they can maybe be born into a family with money. But for the rest of us,

we're going to have to find something that consistently works more than it doesn't. We're going to have to deal with adversity. There's going to be days where the scale goes up, days where the scale goes down. Same thing's true of the market. But having that humility, having that growth mindset, and most importantly, knowing like, hey, I don't know everything. And I've got my eyes up and my ears open. I'm paying attention. I'm learning as I go. I really love that. And I think the thing I'd like to open with is something that we've talked about before. And I know there's actually a book that both of us enjoy called The Psychology of Money. And it's just the psychology of what you believe it takes to be successful in the investing slash wealth creation slash money management game.

I have noticed that my psychology can be a blessing or a curse. It can work for me or against me, whether it's with my fitness or my finances. What do you think are the central tenets of psychology for success with money? Yeah, that's a good question. I would say, honestly, first off, I just think there's a lot of confusion around the concept of money to begin with. And I'm sure you can hit on that with fitness as well. There's just so much misinformation out there. And it's hard to figure out who you should listen to. And I would go as far as to say, everybody's situation is going to be different. right? Everybody, like, like you, like you hinted at earlier, you're going to, everybody has a different starting point.

Everybody has a different way at going about whatever goals they want to achieve. So like, if you want to become a millionaire, at least in the finance world, there's so many different ways you can go about that. I mean, there's, you have real estate, you have crypto, you have stocks. And like, it's hard just to give one generic answer of how to go about it. And kind of talking about, like I said, don't go and don't speak in absolutes. That's one thing I take to heart because I understand that everybody's personal finance situation is going to be completely different depending on, you know, who they are, where they're at. And the cool thing with social media, and I'm sure you can hit on this as well, is like we have, at least I have a global audience. So there's people from different countries and different states. So it's really difficult to just try to give generic

money advice, I guess, so to speak. But I've found based on like everything that I've kind of read, so like psychology of money book is a fantastic book. But based on that book, I would say the thing people get confused about the most is just like the wealth concept in general. And what I mean by that is I think people have this funny image of like what they think wealth is or just getting or becoming riches. Right. And you know, it's, and I mean, I'm sure you can talk to this on the fitness side, but like everybody just kind of wants to one up each other in the finance, in the finance world. Right. It's more so like a, like a status competition to where people think, you know, you're wealthy if you have the Lambo or you have the Gucci belts or you have the big house. Hollywood image of wealth. And they think that's what wealth is. When in reality, most millionaires, most like multimillionaires, like they're not really that, that's not what they are. Like a lot of them live pretty, like more or less moderate frugal lives. Like they're

driving Toyotas that, you know, they're living in like moderately sized houses, you know, and that, that a lot of people can't really grasp that because when they think of wealth, they think people are driving these Lambos and stuff like that. But the truth is, they're not. Hollywood's kind of done everybody dirty because they build this mental image of what people want to think wealth is, when in reality, most wealthy people who have money and they're living this crazy lifestyle. But to be honest with you, Daniel, is a lot of those people who live those types of lifestyles, like they end up broke again, a few years later, you know, so they just kind of shit away all their money. They're not being smart about it because the people who are smart about money, um, are the ones who put it to work, right? They're buying assets, they're buying businesses and stuff like that. They're, they're, um, maybe they'll upgrade their lifestyle a little bit, you know, maybe they'll have like a nice businesses and stuff like that, maybe they'll upgrade their lifestyle a

little bit. Maybe they'll have a nice house and stuff, but they're not putting all their money and just upgrading their lifestyle. And I think that's where the confusion is. It's like people think, well, I just throw all my money and try to flex my wealth, buy the Lambo and stuff like that. But in reality, I mean, you can do that, but you got to find the balance. And you're only going to build wealth or get rich if you're buying things that pay you to own them, such as assets, real estate, whatever it is, stuff that makes you money, not stuff that makes you look like you have money. Yeah, no, I think that's a wonderful point. And there's so many parallels. We'll probably have a parallel for every point you make, but just the way in which wealth is conveyed,

illustrated in media, whether it be film, television, social media, is usually, like you said, fancy cars, big, beautiful houses. And there are certainly people who have wealth and have those things. But I think that the misconception is that those are indicators of wealth, when in fact, you can become a slave to your possessions if you don't have your money working for you. There are plenty of wealthy people, in fact, most wealthy people who live below their means. And something interesting about fitness is there's always this projection of like, this is what a fit dude looks like. This is what a fit woman looks like. The dude is shredded. He's got a ripping six-pack, huge shoulders. The girl has a flat stomach, big butt.

And oftentimes, those people who are used as kind of the model of physical health, they're not healthy at all. Oftentimes, what they're doing to maintain that physique or that aesthetic, they're doing incredibly unhealthy forms of eating. Oftentimes, they take drugs or steroids. They're oftentimes actually leveraging their health in the long term for a short-term aesthetic. And people are actually able to turn that into dollars. They're able to turn that into revenue. They're able to turn that into revenue. They're able to turn that into followers, but they oftentimes burn out and they end up back to quote unquote normal.

And I feel like it's very similar with wealth, which is like people will say, there are plenty of get rich quick schemes, but almost all of them end with people being broke. The same thing can be said of the get fit quick schemes. The more you trade your health in in favor of aesthetic is very similar to what happens if you start trading in actual long-term wealth management habits and for projections of wealth, whether that be possessions or material things that we have a tendency to do because I think you really hit the nail on the head is there is a substantial difference between being wealthy and looking wealthy. Definitely. Yeah. And I would

kind of just add on to that. Like I would say the media side of things is kind of where things kind of get messed up, right? Where, you know, I think people don't deeply understand the media side of things because especially in the fitness world, like people who are running these, even if it's a social media page or maybe it's a TV show or whatever, they're using material possessions to flex a certain lifestyle just to kind of get attention so people watch it. Because let me back up a little bit. There's nothing wrong with wanting a Lamborghini or wanting a big house. Like that's, that's completely fine. Like everybody has their own goals, but like, I think where people get confused is they think that you're not rich until you get those things where that's, that's not the case. Like, like, like I said, Hollywood kind of messes everybody's up, messes everybody's mindset up of like what real wealth

is. And like, sure it can be the Lambo. It can be the big house. But to me, or like, to me, I think the biggest, the biggest part of wealth is like having complete control of your time. Like being able to do whatever the hell you want to do, to me, is a lot bigger of an indicator of success compared to driving a Lambo. Like, what's the point of a Lamborghini if you're driving it to a job that you fucking hate in order to pay for it you know like that's kind of where the mismatch is people just get this mental image where there's it becomes like a big disconnect of like what reality what reality is when it comes to wealth and I'm sure like you said when it comes to fitness like everybody has this mental image of what I need to be and then when they when they start

to realize that like oh maybe I'm never going to be able to get the Lambo, then they just give up on it completely. And that's what I, that's where I think it gets sad. It's like, well, just because you might not be able to afford a Lambo, like even if you get like 50, 60, a hundred K in an investing account, like that's going to give you a lot more leverage in your life to like maybe leave a job you hate when you want to move jobs or move to another city for bigger opportunities. That's real wealth. That's the best thing money can buy you, even if it's like 20, 30 grand. If you got that in your bank account, that's going to build so many more options for you to have more leverage in your life compared to being controlled or being controlled by your job, having to work for a job that you might hate because you just upgrade your lifestyle or you don't really manage your money correctly because you

think you can't get that Lambo. So you'll never be able to get quote unquote wealthy when the definition of wealthy is different for everybody. And I would just say, like, if you have control of your time, if you're able to control your time, or you have 20, $30,000 in the bank account, and you have leverage to leave a job you hate or move to another city. Like that's wealth to me like that. That's what wealthy is. It's not sexy. Like you don't want to go out and flex like, Oh, hey, I got 30 grand in the bank, I can do whatever I want. Like people aren't going to be I mean, people don't get around people will think that's good, because most people don't have that in their bank account. But it's not it's not sexy, like the Lamborghini or the big house, like, and I would say like kind of wrapping up my points,

like that, the Lamborghini, the big house, all these like crazy stuff. Like it's more, more or less just the media stuff, right? This is, this is people looking for attention. It's, it's like attention seeking stuff. Cause everybody kind of finds those things. It's true. And like, don't get me wrong. I think Lamborghinis are dope. They're dope. But I think people just have to realize that that's not the fundamental part of wealth. Does that make sense? It makes a ton of sense. And I think that the Lamborghini in this sense is a symbolism of material wealth that we can all really understand. It's a great way to sum it up. There's something that you do super well, and it's something that I preach, and it's something that I talk to my clients about, my audience about, and I think it's really

important. And it's the ability to be able to kind of silence the noise. So going back to that Lamborghini thing, it's like that is going to constantly be in your ear in today's media ecosystem. Get the car, get the big house, get the cool shoes. And just speaking from experience, I have my finances in order in a way that I'm proud of. I'm by no means wealthy yet, but I'm on the road to having wealth that hopefully will sustain me and my family and the generations to come because of small, simple habits.

But I have fucked up a ton along the way because of my inability to silence the noise. I've leased cars for way more money than I should have. I've bought $500, $600 pairs of Air Jordans. I have bought big bottles or whatever it was to flex. I am certainly, I'd like to just preface everything I say. I'm not perfect. I've made all these mistakes. And they've taught me a little bit about silencing the noise. And I think one of the skill sets people can really do well with in fitness or with finance is being able to silence the noise, the bullshit, the misinformation, and stay focused on the task

at hand. And it's really hard to do that. What tips do you have or what skills do you think people can develop to silence the noise, to become a little bit more resilient to that ecosystem that really, really pushes people to want to flex, for lack of a better term? Yeah. See, that's a great question. And this is something I think about a lot because around the content I make, I really try to dig into this point because I've found, based on my page, that a lot of people struggle with managing money because they feel like they have... There's a difference between your need and your wants, right? Everybody needs a house. Everybody needs a car. Everybody needs food, right? These are needs a house. Everybody needs a car.

Everybody needs food, right? These are used to life. And then there's the wants, the want side of things. And I think this is where people get confused is like they tie things they want. Like maybe they want to go on vacation every couple of weeks

or maybe they want a bigger house or a nicer car, but they confuse that with their needs. Like they think they need it. Right. And kind of like what you were talking about, I think it does kind of stem from people looking for like external validation, right? Like that's mostly what it comes from. And it's hard to like give advice on that. Cause a lot of that is like more of an internal thing. Like that comes from something you have to deal with internally. So, you know, I would say

the best way I found, cause I mean, I, I've made mistakes in my life too. Like I'm not perfect either. I bought, I've overspent over, you know, under budgeted certain things. So like, I'm not perfect either, but the best way I've found to kind of zone out that noise and stay focused on what you want to do is to set some sort of financial goal that you want to achieve in the future. You really have to have this conversation with yourself and ask yourself, what do I want? What am I doing here? What am I working towards? And obviously, you're not going to answer that question in 10 seconds. That's something that might take weeks, months, or even years to really answer. So I'll leave you with this. I'll say,

don't feel guilty if you realize that you've made shady financial decisions in the past, because everybody's done it on one level or another, myself included. I would say what you have to do is think about, if you're thinking about the fact that you've made terrible financial decisions in the past, you're on the right step because you're sitting there and starting to realize that, hey, maybe I should change the direction I'm headed in my financial life. So that's a great mindset to be in to begin with. But leading into that point, you definitely have to set some sort of North Star. So whether that be the freedom to do whatever the hell you want in 10, 20, 30 years, that could be a good North star, or maybe it's to buy a house. Like if you want to own real estate, like you got to set these goals or like milestones,

if you will, that will keep your attention and keep you motivated, actually going out and achieving those. Right. So what I started, what I started doing when I first started to like really care about money was I just set these little milestones. My first milestone was saving $1,000. And I know it sounds simple and maybe not a lot of money.

But once you achieve those smaller goals, you'll start to build internal self-esteem. And you'll be able to see that you can actually achieve these goals. And that momentum that you start to build, even if it's $500 or $1,000, once you save that, and if you've never saved that before, you're going to feel internally proud about yourself. And that's the point you have to get to. You have to build your internal self-esteem because if you never do that, then you're always going to be looking for external validation in one way or another. So yeah, but that's what I would leave you with.

You got to set smaller goals. So maybe first reach $1,000. Once you reach $1,000, never fall under $1,000. So keep your mindset like, hey, this is locked in stone. And then set another network startup. Maybe it's $5,000, $10,000 net worth or whatever cash saved. Whatever it is for your personal finance situation, you got to figure it out and kind of audit it internally and then set those internal goals for you to achieve.

And I found, at least for me, that helped me a shit ton because I was able to like, I knew what I was, I knew what my mission was. Like my personal mission was to save X amount of dollars or invest X amount of dollars. And once I achieved it, you start to build that momentum and that internal self-esteem, and it's going to keep taking you further and further. So that's what I would ultimately recommend. And I mean, of course, it's hard, Daniel, because with these stuff, and I'm sure you talked about this with fitness, everybody knows what you have to do, quote unquote. Like for finance, it's spend less than you make and invest the difference, right? With fitness, it's probably like eat less calories um than your body's bringing

down and like go go to the gym right like it's like everybody knows the core concept of like actually making progress but a lot of it is like fundamentally it comes from like internal like your your internal self-esteem or whatever you want to call it like you have to like you have to like figure that out for yourself and it's different for everybody like everybody has different things that are holding them back and like like, it could be, it could be insecurities or whatever it is. Like maybe you think you're not good enough, like whatever it is, you got to figure that out for yourself. Cause like, whatever we say, it might not really dig into that, that deep, but like, once you figure it out, whatever it is, then you can set goals, like whatever goals

it might be, like maybe save a hundred bucks or save 500 bucks. And then once you see yourself making those little steps, those little progresses, the more you're able to achieve your personal goals, the more that momentum is going to speed up and the more self-confidence you're going to get yourself to really start moving forward on what you want to do. Yeah, no, dude, it's so true. And like with fitness, I find that as is the case with money, people's ultimate goal might be quite ambitious. Like, okay, I've sat with this, I find that as is the case with money, people's ultimate goal might be quite ambitious. You know, like, okay, I've sat with this. I know what I want to do.

I want to have a home. I want to have my dream car and I want to have freedom. It's like, okay, that's great. And your fitness goal might be that you want to have a ton of muscle. You want to be lean and you want to be strong. And if you set out and you try to initially be like, okay, I'm going to climb right to the top of the mountain in one go, it is never going to go smoothly. And in fact, what I find is just like with money, you need to break that down into the smallest goal that you can accomplish. Not immediately, but in the short to intermediate term that's not so challenging that you can't do it, but it's not so easy that it's done in a day.

And when you start checking those boxes, the feedback you get psychologically from being like, oh, I did that, it becomes somewhat addictive. And whether it's your fitness goals or your finance goals, you need to be realistic about your big long-term goals, but you need to break those down into small, actionable goals. You need to be able to quiet the noise, stay focused on, okay, this is where I want to be in 10 years. And to get there in 10 years, this is what year one looks like, or even month one looks like. And when you can get that skill of breaking things down, and you start, like you said, seeing success and you get that first thousand. Well, all of a sudden, 10, which might have felt impossible, seems very possible.

And I come from relatively what I would call, you know, neither one of my parents had a ton of wealth. So I didn't understand anything about investing. I didn't understand anything about money management. I just thought that rich people were rich and then you had everybody else. And after I had my first series of small wins, I started to change my mood, my behavior, my identity into I'm somebody who is going to get here. And you see this a lot with fitness too. It's like, I'm not a fit person. I'm not a fitness person. I don't have that gene. And it's like, no, you just need to start with what you can. Don't bite off more than you can chew and go from there. And the psychology that holds people back, you hit on something. It's like,

people know what they should do. Save more than they spend or spend less than they make, invest the difference, eat less than you probably should, move your body. But it's damn hard to do that because there's so much external stuff. And it's like, I think the psychology of what holds people back is the same reason that people are loaded with credit card debt. And the same reason that people tend to have quite a bit of weight to lose is because they can't say no to what they want in that moment. And that's something that I think is a skill. And it's something that I think you can develop. Do you have any tips or tricks in this kind of consumer-driven world for better managing how you spend your money? Because I think I'd like to talk about how we spend it,

what are some easy ways to save and begin investing. But I think the first thing we should talk about is how does one begin to better spend their money and not fall victim to some of the common problems like credit card debt, consumer debt, overconsumption, et cetera? Yeah, that's great. Perfectly said. And I would say that the first step is just kind of realizing where you're at financially. Because everybody, I would say most people on average, kind of just intuitively figure out how,, they intuitively manage their finances, right? They go based off of like how they feel like, Oh, I think I can afford this bill or I think I can afford this rent payment.

And they don't actually audit or take a deep look at their finances. And that's a, that's, that's a huge mistake for most people. And that's why most people end up with terrible money problems is because they're not paying attention. They're kind of driving their financial car. Like they're not looking out the front, front fucking window. And then they end up in these terrible financial situations. So I would say the first step for like everybody listening, like if you're wanting to get your finances in order, the first thing I would say is to go through all of your financial statements. Like go to your bank account right now and pull out your statement, like pull out your last month's statement and just go through

line by line of everything you're spending and just look at it. Like, like take a deep look and see where your money is going. Like, this is the first step. Like you're at most people don't do this because they're either scared to look at their bank account or they just have never thought about doing it. So I would say the first thing I would do if I was anybody listening to this podcast, they want to get their money together, go through your bank account. And the next step would be to go line by line and put whether or not each transaction is a need, like if you actually needed that or a want and be honest with yourself, because it's only going to work if you're honest with yourself, nothing's going to work. Cause like, it's really easy to lie to yourself. Everybody,

everybody knows that intuitively. Like I can, I can say, I want to change my money, my money situation, my money future, and then just continue to spend like nothing. And then you're lying to yourself or the same with fitness. Like you can say, you want to go and work out and like change your, your body and everything like that. But most people just say that and don't actually do anything. So they end up lying to themselves. So the first step is to like face yourself, face your face, whatever situation you're in right now. And you have to come to the realization of like where you're at financially before you can actually make progress. So that's my first thing is like go through line by line and just see, is it a need or is it a want? A lot of people,

if you actually go and do this, are going to be surprised at what they find. And the second thing I would add there is like, don't feel guilty and don't think you're like beneath everybody else financially, because most people suck with money. Like it's not something that comes naturally to like human beings. I would say like, it's, it's a very complex situation, like the whole money world in general. So don't like be easy on yourself, right? Be easy on yourself and just focus on making small progress. Like if you can improve, this is, I was on a kick of this, like last year where like just 1% daily improvements, those, those a long way. It's like, if you can just improve your money situation each day,

each week, each month, each year, 10 to 20 years from now, you're going to be a completely different person. You're going to be a completely different financial situation, probably one that you never thought you could be one to begin with. But the first step is you have to manage your money. You have to spend less than you're making. And I know, I hate saying that because it's super cliche because everybody hears that or they've heard it at least once, but it's the absolute truth. There's no shortcut to wealth. There's going to be a lot of people on Wall Street who tell you there is, but ultimately, they're just trying to get your money because they're trying to sell you a dream

that doesn't actually exist. I'm sure there's people listening to this right now that have experienced that one way or another. There's a bunch of financial scams out there. And I'm going to be the bearer of bad news. The only way to build wealth is to spend less than you're making. That's the fundamental truth to finances. And until you accept that, and until you're willing to face your finances head on and call yourself out on your own bullshit, because that's what you have to do, you're never going to make any progress. Taking a little break from the action here to tell you about our amazing partner, Seed. Seed makes the best probiotic supplement on the market, bar none. I'm very confident with that because I think that the probiotic space and the gut health space in general is filled with people who have no idea what they're talking about or who are looking to make a buck. This isn't to say your gut health isn't important. In fact, it's probably one of the most

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description below. Can't wait to see you in the core coaching collective, my app-based training community. Back to the show. What's going on, guys? Taking a break from the show to tell you about our amazing partners over at Elemental Labs. Elemental Labs makes a flagship electrolyte product known as LMNT Recharge. Recharge is amazing. It's got bioavailable forms of sodium, potassium, and magnesium, which can really help you train contract your tissues and get hydrated. I love having it in the morning before my fasted training because oftentimes I wake up without an appetite, but I want something in my stomach so I'm not flat, I can get a pump, and I can get hydrated in the gym and still perform my best. I also love to

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Get your sample pack today completely for free. Just pay shipping back to the show. It's so similar with fitness too. Like you mentioned something like a lot of people struggle to actually like print the statement and go through it. Like they're nervous about it. They're worried about it. They're worried about it. I cannot tell you how many people I have worked with that don't want to step on the scale to get that initial starting point. I understand that there may be some variation in how people relate to that data, but it's

fascinating to me the aversion people have to getting that starting point when they know it's ugly. Because it's like, hey, I almost don't want to know how bad it is because somehow, some way, this would be an indictment of how I've been doing things. And that would really challenge my identity. And confronting that is the first step in change. It's like, look, if you want to become somebody who is in better shape, you've got to identify the problems that you've got going right now that are stopping that from happening. And the very, very good news is that they're probably the same problems that most

everybody else has. And maybe there's some psychological, sociological, nuanced things specific to your life, maybe of kids. Maybe you have a caretaker role that you have to undertake. Maybe you're a full-time student and you work. But somebody somewhere has been able to find success in a similar situation. And it started by confronting this initial fear of, I've got to acknowledge that I've got some habits that are working against me. And that's really fucking hard for people to do. I think we've been conditioned not to want to face

that. And I think that another thing I've seen with finances is people don't want to look at their credit cards. They don't want to know. They almost don't even want to know, or they don't want to look at their student loans. They don't want to look at it. They just want to kind of stare away and act like it's not a problem. And not to get doom and gloom, but with your fitness or with your finance, you can't look away for too long before it becomes a bigger problem. And that initial Band-Aid tearing off, that initial audit of your statement, that initial step on the scale, that initial taking the junk out of your pantry or leaving the credit cards at home, whatever it takes, whatever those initial painful habits are,

there's no doubt that it will lead to substantially more freedom, happiness, substantially more freedom, happiness, and peace of mind down the road. You just have to get over that initial discomfort that comes with changing how it is you look at your situation. 100%. Yeah. And I mean, perfectly said. And I would say it's only going to get better, like you were saying. It's going to be painful initially, whether it be you're trying to tackle your finances or your fitness, like that, that initial dive into whatever you're trying to do is going to be painful. Like I'm not going to lie to you, but however, it's going to be even more painful if you don't do it until 10, 20 years later. Right. The problems will only get worse. Kind of like what you alluded to. So you have two choices. You can either dive in now and rip off that bandaid now. And I'm not going to lie to you. Yeah, it's going

to be painful initially, but it will only get better from now. So like that's, that's, that's choice A. Choice B is you continue to lie to yourself and continue to ignore it and delay and just push it off to the future. And then it's going to get worse and it's going to be even more difficult to rip off the bandaid in the future. And I'll leave it with this as well. Like, I think, I think we get messed up as, as humans or whatever is, you know, we, we dwell on the past, like our past situation or whatever it is. And kind of like what you were saying earlier, like we build this identity of like, you know, maybe I am terrible with credit cards or I've been terrible with money in the past. And I'm just like, then you, you then you build this identity and just say, I'm terrible with money.

Like I'm not good with money. I'll just never. But by saying that you tell yourself that you'll never worry about it. And then you just continue to use that excuse, quote unquote, I'm bad with money. And you live that life. But all it takes for you, all it takes is like whoever's listening to this right now, if you just take this moment to commit to like taking action and to ripping off that bandaid and going through your finances and going through your bank statements and figuring out, you know, where am I,

where am I at? Like, let's, let's start figuring this out and start making progress. Like, yes, it's going to be painful, but if you start acknowledging it and tackling it head on right now, you're only going to improve your situation in the future. And with fitness and finance, the beginning is the most difficult part, no matter where you're at financially. Even if you have no debt and you want to start building wealth, the beginning is always the hardest part because it's all based on the compound effect, which I'm assuming fitness

is as well with the whole building muscle and everything. it's all based on the compound effect, which I'm assuming fitness is as well with like the whole and everything. And the beginning is the hardest, but like, as you can, as you stay consistent and you're committed, like it, as time goes by, it's only going to continue to improve. So like you have to, you have to be willing to first be consistent with whatever you're doing, whether it be figuring out your fitness or figuring out your finances and also respect like the long-term process. Cause it takes time. Like you, everybody has a certain amount of time in their day and every action you take, whether that be going to the gym for an hour, like you're spending your time on that task, or maybe you spend an hour managing your finances or learning about investing and stuff

like that. That time that you're investing, that you're spending is something that will compound over time. Like all of our time is limited, right? So if you, if you choose to not spend the time investing, or you choose not to spend your time working out and bettering your fitness, then you'll never make progress in that area. You know? So like you have to, I like to think about it every time I spend an hour of trying to like, if I go to the gym or if I go and like learn more things, like read another book on finance, like I'm investing more, more of my time resources, so to speak in that area. And it's going to improve my life two to five to 10 to 15 to 20 years later. And I would say just kind of wrap that up. I would say it all comes down to like the delayed gratification part of things, right.

up, I would say it all comes down to like the delayed gratification part of things, right? To where you have to be, first you have to understand, because like I can tell you to delay gratification, but if you don't understand, like deeply understand what that does for you in the future, then you're just going to be doing it without actually understanding why you're doing it. And then you're going to give up two to three months later. It's like, you got to educate yourself in the finance world, start reading books, you know, dive in. There's so many YouTube videos. I have my Instagram page where I put out stuff out there. There's so many resources, but the first step is you have to understand why you want to do it, why you want to commit yourself to bettering your financial future, to bettering your fitness. And then B, you have to

take initiative and actually go and do it. Totally. And the cool thing is, if you're listening to this podcast, you're probably one, personal growth oriented and two, already into fitness. And having been in this industry for about nine years, I've worked in a management role. I've had multiple trainers underneath me, gotten to the point where I'm in not a mentorship role, but I've had the opportunity to talk to lots of younger trainers and fitness professionals. And one of the things I talked to them a lot about is getting their money right. And those of you who already have your fitness in check, there's a good chance you've already developed the skill of delayed gratification or the ability to better delay gratification. This money stuff will come easier to you because that's psychological. I don't want to call it

default, but that's psychological hardwiring that exists in your reptilian brain. We're a 200,000-year-old organism. And for the majority of our time on this planet, there was no advantage to delaying much gratification at all. You found food, you eat that shit. If you found a resource, you gobble that shit up. And you have to fight that component of your psychology every day, all the time, whether it's not stopping at fast food, not grabbing junk, not buying that item that they put right by the checkout that's so cool that you want. There's so many times a day that you have the choice to delay gratification. Every time you do it, you cast a vote. As James Clear would say, you cast a vote for the person you ultimately want

to become. When you delay gratification, you get better at it. When you don't, you get worse at it. But if you're already pretty good with your fitness, you're pretty good with making sacrifices nutritionally, you've carved out time in your day, this money stuff should come a little easier to you. And it can be a huge component in how you manage your health in the long term. I work with a lot of clientele who are advanced age who have their money figured out. That's part of the reason why they can afford a personal trainer. They say it's one of the best investments they've ever made, but you don't get to afford that in later age if you don't get your money right. You can't maintain your health in

later age if you don't have your money right, or it's at least harder. And so I'd love to segue now into some kind of foundational habits for those who are beginning to invest. There's lots of different people out there with lots of different philosophies, but what do you think are some good foundational habits? Let's say you've audited your finances, you've made the commitment to spend a little less on your wants and really build out from your needs. It's like, I've got my needs. Those boxes are checked. And the wants, I'm going to toss some of those out in the hopes that I can build wealth in the long term. What are the foundational things? Because with fitness, I'd say, look,

don't eat the junk, drink more water, find an exercise program that works for you, try to eat mostly whole foods. And how those individual things look and be very different. But what are those big rocks for beginning your investment journey? Yeah. So the first step definitely is you first got to spend less than you make. That's step one. Once you get to that point, step two is to start investing. Investing is how you grow your money. You're essentially buying things that pay you to own them. And that takes time. Most people don't see real results in the stock market for five to 10 years. The stock market, it's volatile, right? It goes ups and

downs in the short term. Nobody can predict what's going to happen in the short term. There's a bunch of people who will try to tell you they can, and they'll try to sell you something in order to quote unquote, tell you what's going to happen in the short term. But those are all just more or less scams, 99% of them. There might be some people who have some insight that can potentially give you some insight on where things might go, but nobody knows 100% certain where the market's going to go. So I would say step two, though, you have to invest for the long-term. So figure out once you have that additional income, so like once you're spending less than you make, you're going to be able to figure out how much money you can consistently invest. And my thing is, what I tell people to do is you want to automate your finances as much as

possible. So once you have a stock brokerage account, once you have that all set up, figure out what you want to invest in. I always recommend like an index fund like Voe, which is an S&P 500 index fund. And it essentially holds for simple terms, it holds all the 500 top companies in the United States. So by investing in Voe, you're essentially betting or investing on all 500 top public companies in the United States. And that's a great way to build long-term wealth. Warren Buffett always recommends Vaux to investors who don't really want to dive in too deep about it. He's even said that he wants his trust, like after he dies, he wants his trust put into Vaux, into that specific fund. So I think that's a great way for 99% of people to invest. On average, Vaux earns anywhere from around 10%

per year on average. And obviously, there's going to be ups and downs. So year one, you might see 20% gains. Year two, you see 30% losses. But over the long run, over 10, 20, 30-year period, you're going to average, historically, it's averaged around 10% per year. And keep in mind, I'm just giving you my opinion on things. So definitely do your own research before diving into anything. Cause I want, again, I think the whole theme is with this

whole financial thing is you have to deeply understand what you're investing in and why you're doing it. But if you commit to consistently investing, like let's say maybe you can only do like 20, 30, 40, $50 a week into Vogue, that's step one. And if you can master that, you're going to be a better investor than 80, 90% of people, because most people can't beat the S&P 500. Even most people on Wall Street, they're mostly just making money by selling products to people who don't really know what they're investing in, as crazy as it sounds. But yeah, so if you can commit to investing consistently, every time you get paid, you're going to be in a bed, a much better financial position and investing position than most people. And I mean, even, you know, like investing $40 a week sounds like nothing, right? But over 40 year period, if you invested $40 per week into like a index fund, like Vogue, and earned an average return of 10% per year, that would come out to right around a million dollars in 40 years.

Wow. Now, 40 years, that sounds like it's a long period, but you're only investing $40 a week. So you want to do it faster. There's something fascinating about if you could tell somebody like, hey, for arguably the cost of what you spend a week on coffee and lunch out, I can guarantee that you will be a millionaire in 40 years. Almost everybody would go, all right, I'm listening. You can almost guarantee that I'll be a millionaire. And there actually is an extremely high probability of these outcomes because, like Josh said, the market has a tendency to be volatile in the short term, but it has a pretty damn consistent track record when you zoom out and look at it over the long term.

And the S&P 500 or those 500 companies, they change as if a company's not big enough or big and it comes in or a company gets smaller, it comes out. So basically what you're betting on is the best companies in the world to continue to grow, which we have no reason to believe they wouldn't. And 40 bucks a week is an incredibly feasible number for a lot of people. It's just getting people to be okay with that longer term play is so, so hard. And that's where the struggle comes into play because, I mean, right now at the time of this recording of the video, we're going through a bear market right now and there's a lot of blood in the market. And this is why I put out a couple of posts where like 90% of investing is more or less like a psychology game because you have to really, you have to be in a good state emotionally and just have control of your emotions to begin with, because there's so much fear and just so much noise, so much greed in the market to where it's really, really easy to get distracted by different things going on.

And the best investors are the ones who can stay level-headed when there's a bunch of fear or there's a bunch of greed. So right now, the investors who are continually buying every single week, even during this bear market, they're the ones that are actually going to be able to benefit from everything going on and benefit long-term because they have what it takes. They have that emotional control to continue to invest no matter what's going on in the market. So this current market-

Yeah, they're buying things on sale. Exactly. Yeah. And that's exactly what it is. I mean, you're literally buying the top companies. In order for the S&P 500 to go to zero, every single business in the United States would have to essentially collapse, which to be honest with you, if that happened, you're going to have a lot bigger things to worry about than the stock market, you know? So, you know, you're essentially betting on the overall United States economy. And as long as things continue to innovate, and if history is any indicator, I mean, we do a hell of a good job at innovating, you know, I mean, there's always going to be moments of uncertainty. There's always going to be moments of fear and just, you know, crazy things going on in the world. But we humans have always found a way to get past our problems. You know, like, think about this. Let me add this in real quick. Ever since, like, I mean, we've gone through the Great Depression. We've gone through so many different crashes. We've gone through the 2008 financial crisis. We've gone through the 2000 tech bubble.

the 2008 financial crisis. We've gone through the 2000 tech bubble. Every time during these specific periods, everybody thought America was over, the economy was over, nothing was ever going to recover. But every single time, business ingenuity and just the people around these massive businesses in America were able to find a way around the problems. And if history is any indicator, I wouldn't see why we can't continue to do that. That's exactly right. So I love it. why we can't continue to do that. That's exactly right. So I love it. You can start investing simply by just finding an index fund like VOO or VO. It's V-O-O that mimics or contains the companies in the S&P 500. So it's going to mimic the general trend of the S&P 500. And you can get started with any amount of money. Ideally, you're going to automate that investment to minimize the one, thought processing on your

end and two, hopefully to keep that habit going when your psychology might want you not to. Another question that I have, and I do think that this is important because everybody wants to have peace of mind and to be able to relax. And money is a big stressor for people. When it comes to having cash reserves or an emergency fund, do you think that it's important for people to set a certain amount of money aside in a cash account or in a savings account for emergencies? If so, what's a good way to

get started on doing that? And do you have an amount that you think is reasonable for people? Yeah. So that's a good question. And I would say ultimately you kind of have to audit your situation because let's say, for example, like maybe you're in the sales or whatever, and your income's kind of patchy and maybe your income falls during like downtimes in the economy, then obviously, if you're that type of person, you're going to want to have a bigger emergency fund to get you through the inevitable bad times. So the one thing I'll say before I dive into your question is the markets operate in cycles. So there's always going to be times of periods of up, like when everybody's super excited, optimistic about the future. And then there's going to be periods like right now where everybody's fearful and

pessimistic about the future. And these cycles have continued on for hundreds of years throughout America and just thousands of years. If you go back to different societies, there's always ups and downs. I would say that's the fundamental way of growth in life and in the stock market as well. So it's funny how those are tied. So in order to get you through those inevitable downtimes that we will have, and they're inevitable, like they're always going to happen, I highly recommend to have some sort of emergency fund. Because the one thing you don't want to do during bad times is sell your stocks, especially when the stock market is crashing. So let's say if you have some sort of emergency, like you're laid off from your job for a month or two, you want to have some money

set aside to get you through those bad times so you don't have to go out and sell your stocks at a loss. And then that's going to interrupt your whole long-term growth. So for a specific amount, for a specific dollar amount of what you should invest or what you should set aside for your emergency fund, the kind of consensus knowledge is anywhere from like one to three months of total expenses. So if you have like all of your expenses are $2,000 a month, and let's say that you have kind of a crazy job where it's kind of like sketchy and not as stable, you're probably going to want to be on the higher end, so maybe three months. So you'd want to have like $6,000 set aside in an emergency fund to get you through three months of, if you get laid off or maybe some sort of an emergency, a health emergency happens and you

need like a couple of grand, like nobody thinks they need an emergency fund until emergency happens. That's the simple truth. And for the specific amount, you just have to audit your job. Is your job pretty stable? Look at history trends, you like for the specific amount, you just have to audit like your job. Like, is your job pretty stable? Like, look at, look at like history trends, like look back in like the 2008 crash, like how did your industry perform? Like how stable is your industry? If you're in like a tech job, like we're starting to see this right now, those jobs are like more like that, that industry is like high growth. So those jobs tend to get hit the most during recessions. So you're probably going to want to have on the higher end, like a three month emergency fund. But if your job's like an insurance, like if you work at like State Farm

or something, like that industry is very slow moving. So you'll probably be fine in a recession. So you could probably be on the lower end to like a month of expenses. I love that. All right. Last question to close with, just because I think this is another one of those impossible to miss parallels between fitness and finance. And that is how there's always a new supplement. There's always a new diet. There's always a new workout. And oftentimes, what's tried and true and proven to work with an extremely long track record is unsexy and generally unappealing, particularly for people who are new or want things fast. Same thing can be said in finance. And that has created space for things like cryptocurrencies

and NFTs. And my audience is on the younger end. And I think that those two things in particular are hard to understand. And I definitely am not going to ask you to explain the nuances of NFTs or cryptocurrencies. Instead, what I would ask is, as a general recommendation, do you think that there is value in those or would you recommend people steer clear and lean into more of what's tried and true? So what I'll say is this. I think if you're just getting started, the first thing you should do is to master the fundamentals. So jump into index funds first. Those are super simple. They're a lot more conservative. But once you get to the point to where you have a solid financial foundation, I don't think there's anything wrong with like trying different things. Like maybe if you want to go jump into NFTs or

crypto, like you can maybe with like, you know, 5% of your portfolio. Like, I don't think there's anything wrong doing that. But I think the one thing you have to keep in mind is that there's those areas like the crypto world, the NFT world, even just the growth stock world in general, they're a lot more riskier. And the odds of you losing 100% of your money are a lot higher. Don't get me wrong. You can make a lot of money too. I don't want to hate on those areas in the finance world. But I would say if you're brand new to investing, you have to master the fundamentals first. Because if you can't master just the simple concept of holding onto your investments and holding through the cycles, if you haven't mastered your emotional investing intelligence, there's

no way in hell you're going to master the... You're not going to be able to master that in the NFT world or the crypto world. So I would say stick with the fundamentals first. If you've never invested in anything, look into index funds, study index funds, study market cycles, and master that area first. And then maybe throw a couple hundred bucks into crypto if you want to do that. There's nothing wrong with that, but just keep in mind that it's a lot more riskier and your chance of losing 100% of your money is much higher in

that world. You can gain more money. It's kind of like the wild, wild west. And right now it's more or less gambling, but I hate to hate on it because there's still a lot of interesting things going on in that space and stuff. But if you're brand new to investing, you don't want to be going into a complex world that you haven't even mastered the simple world yet. So let alone the complex world, it's so much more difficult for you. Well, you made a really good point. At least at this point in time, it is similar analogous to gambling. And if your goal is to build long-term wealth, gambling is probably a habit that you might not want to lean too much into. And even though there are upsides and there are some

cryptocurrencies that are, quote unquote, more stable, as a foundational component of how you operate, let that be a smaller percentage of your time and investment. Let the bigger, more proven, more stable stuff take up the biggest chunk of your time and money. And the same thing would be true of fitness. Yes, you can take cool supplements. Yes, you can try new products, but let a good diet and a movement routine that works for you and good sleep be the bedrock of what it is that you do. Josh, I want to thank you for coming on, man. I think this is an extremely, extremely helpful conversation that people can learn a lot from. I think that getting your money right is incredibly important for your mental health, which is a component of your financial health. So I just want to thank you for your time, man. I'm glad we finally got to chat.

Tell everybody where they can find you. Yeah, you can find me. I'm on Instagram, Twitter. I have a Facebook group as well. My handle is atthemarkethustle. And yeah, if you have any questions, I try to answer as many DMs as I can on Instagram. So feel free to reach out to me if there's something you want me to clarify. It's hard to really dive in deep. I mean, I try to answer as many DMs as I can on Instagram. So feel free to reach out to me if there's something you want me to clarify. It's hard to like really dive in deep. Like I know we're only at like an hour. This whole area is like super complex and there's a lot of stuff you have to cover. So it's hard to condense that all into one hour video. But yeah, I'm always, I try to reach out to so many, you know, I try to respond to as many DMs as I can. So if there's any questions I can help with, feel free to reach out. Yeah, it was a shorter timeframe, but you did a phenomenal job of giving people things that

they can do inside this one hour to get their money right, man. I can't thank you enough. And I will check in with you soon. Thank you. Yeah. Thank you for having me on Daniel. I appreciate it.