The Personal Finance Podcast - The Amazing Power of 1% (How to Get 1% Better With Your Money Every Day)

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Starting point is 00:00:56 Find your advisor at IG Private Wealth.com. On this episode of the personal finance podcast, episode 100, we're going to talk about the amazing power of getting 1% better every single day. To the podcast, I'm your host, Andrew founder of mastermoney.com. And today on the personal finance podcast, we're going to be talking about the amazing power of 1%. If you have any questions, hit me up on Instagram at Master Money Co. And hit me up on TikTok at Master Money Co as well.

Starting point is 00:01:56 And follow us on Spotify, Apple Podcasts, or whatever podcast player you love listening to this podcast to. And if you want to help out the show, leave a five-star rating and review on Apple Podcast. And don't forget to check us out on YouTube as well. We are Master Money over on YouTube. We're putting out two videos every single week, a fresh comment. for you guys to check out. Now today, we're going to be talking about the amazing power of 1%. And your boy may be sounding like some sort of motivational speaker today because today,

Starting point is 00:02:30 this is a special episode. This is episode 100 of the Personal Finance Podcast. And today I'm going to let you in on my little secret. And let's get real. I'm here every single week to motivate you guys. So if I sound like a motivational speaker today, the reason why is I want to motivate you guys to build wealth every single week. for your families to build generational wealth because I believe each and every single person

Starting point is 00:02:53 listening to this podcast can build generational wealth. Wealth isn't something where you have to take away from everybody else. Wealth is something where you create abundance for everybody. And that is what this podcast is all about. We're going to talk about how to build that wealth today. And today we're going to be talking about something incredibly powerful. And something that you may not think is truly impactful, but boy, oh boy, is it powerful. Because see, I'm constantly looking for ways to optimize.

Starting point is 00:03:21 And this is the way that I figured out how to optimize every single thing in my life. And I've wanted to talk about this topic for a long time. So getting into this topic is going to be something I'm truly excited about. And that's why I wanted to save it for episode 100. So as I look for a bunch of different ways to improve my situation, my brain begins to associate every single thing with numbers. So I'm looking for ways to improve my health through. working out, lifting weights, making sure I get cardio in, to eating right, and making sure

Starting point is 00:03:53 my diet is on track, to getting enough sleep every single day so I can increase productivity. In addition, I'm looking for the best ways to build wealth, from increasing my income, to investing my dollars, to building businesses, all of these different things. And the only way to do some of these things is to optimize goal setting and actually achieving my goals. So I'm setting up systems so that I can achieve those goals. and I want to build up skills because the more skills you have, the more money you can make and the better overall your wealth path can be. In addition, I want to devote time to my family and hobbies,

Starting point is 00:04:27 and I want to devote more time to building the right habits, things like reading more or learning as much as I possibly can. And all of this stuff are the pieces in my life that I'm looking to optimize. And a lot of you are probably looking at the same pieces and maybe you have some additional things you want to optimize as well. See, because what I'm about to talk about today, it's the most simple concept in the world. In fact, a child can unlock this discipline, but there's a kick.

Starting point is 00:04:49 And the kick is that this is a tortoise approach. It's a slow-moving approach. And it feels like sometimes you're not improving at all. But guess what? We're in this game forever. We're in this wealth-building journey forever. And because we're in this thing forever, it makes everything extremely powerful

Starting point is 00:05:08 because everything compounds over time. And what I like to call this, I like to call this silent success, where you don't know that you're improving every single day, but what happens is you look back on your life and then all of the sudden everything has improved where it doesn't feel like anything is improving and then all of a sudden you look back and everything is improved. And a lot of you have probably felt the same exact situation,

Starting point is 00:05:29 whether it's your wealth, whether it's your health, whether it's your family life. It doesn't matter what it is. If you're looking for ways to optimize and you're always looking for ways to improve, you're going to figure out the best ways to do that. And today, this system, the 1% system is going to teach you exactly how to do that. If you're struggling to improve with your wealth, if you're struggling

Starting point is 00:05:48 to improve in any situation in your life, you want to increase your income, you want to make more money, you want to become a better investor, you want to build up your emergency fund. It doesn't matter what you want to do. This system is going to do it for you. But you have to be patient and understand this is a long game, my friend. And anybody who tells you that wealth building is a quick thing that you can get rich quick, tell them to get a vest with a bunch of pockets to grab a big old stick and take a hike, dude, because there is no get rich quick scheme out there that works. So focus on noticing that silent success because it's going to creep up on you.

Starting point is 00:06:26 And if you stick to your plan, it is almost guaranteed to work with this system. So if you're the guy or gal who likes to read articles about how to get rich quick or six pack abs in six days, I'll catch you on the flip side. Because this is not for you. But if you're willing to stick to a plan and gradually see your results and your skills developed, then stick around for a while. Because take this podcast, for example, we're in episode 100. When we started off with this podcast, the only people listening to this podcast were probably

Starting point is 00:06:52 my mom. Each day, we tried to get better. We tried to teach as many people as possible how to build wealth. That's the entire goal is to teach as many people as possible how to build wealth. And guess what's happened thus far? Thus far, we've grown from zero listeners and zero audience whatsoever to well over 300,000 downloads a month. Now, for us, we want to keep building up so we can teach as many people as possible how to build wealth. And on a day-to-day level, it doesn't look like you're growing that much.

Starting point is 00:07:22 But when you look backwards, all of a sudden, you can see all the growth that you made. Year in, year out, month in, month out, day in, day out. That's exactly what happens every single day. Our growth, to be honest, is all thanks to you guys. It's all thanks to you guys sharing this podcast with your friends. It's all thanks to you guys leaving a five-star review for this podcast. You guys are in this as much as I am. We are all in this thing together, and we all worked to grow this so we can teach as many

Starting point is 00:07:50 people as possible how to build wealth. You guys are doing an amazing thing by sharing this podcast. You guys are doing an amazing thing by leaving that five-star review because what you're doing is promoting wealth to people and helping people understand that wealth is an abundance mentality. Wealth is not scarcity. You're not taking something away from somebody else. Instead, what we all can do is build wealth. We can all build wealth together. And my goal is to teach people who are in poverty, how to pull themselves out of that poverty and build wealth for their family. And they could change their family's tree. My goal is to help the middle class

Starting point is 00:08:23 person who has been struggling for a very long time living paycheck to paycheck, how to change their situation and build a multi-million dollar portfolio. That's what we're here. We're here. to do and we're all doing this thing together. So on a daily level, nothing has changed. But if you look backwards and look at the difference that we are all making together, the difference is massive. And so that's one thing on episode 100 here. I want to thank each and every one of you who have helped share this podcast or who have

Starting point is 00:08:48 left a review. Thank you from the bottom of my heart because I appreciate each and every one of you. And we're going to keep on doing this thing. We're going to provide as much value as possible for you guys so that we can continue to grow this movement that we have here. And that's a great example of what we're. we're trying to do here because what I have is one focus and one focus every single day. I want to get one percent better every single day. That's it. One percent. So think about this for a

Starting point is 00:09:15 second. What if you implemented this to the things that matter most to you? A few things are going to happen. The first one is you're going to gradually improve beyond trying to get things done quickly. In addition, you're going to reduce your stress level because you're getting better every single day. Your health is getting better. Your mental health is getting better. Your stress levels are dropping. You're building up wealth so you don't have that money stress anymore. Another thing it can happen is if you grow 1% every single day, you're going to grow 365% in one year. Now this is a massive difference where in one year you're going to see a completely different person who is 365% better than they were last year. And one of the amazing things

Starting point is 00:09:53 is you're not going to quit because guess why? You're going to see progress. And those marginal gains, those marginal gains compound over time and it's going to benefit you. It's going to benefit your life forever because if you get one percent better you're going to be one percent better for the rest of your life and those gains are going to stick with you for life so as we're talking about this think of things that you want to focus on where you're going to get one percent better every single day now one big thing here is i understand you can't get one percent better every single day and everything take fitness for example when i started to lift weights early on i could barely lift weights that are extremely light now. But gradually, my strength increased. And if I wanted to

Starting point is 00:10:34 increase my strength 365% per year, there's no way I can do that. It'd be physically impossible to do that. So at a certain point, I have to adjust my goals when I have a complete plateau. And with finite growth, with things like this, you have to make adjustments. So another example of this would be something like cutting back on your expenses. You can only cut back on so many expenses before you have to fulfill your needs. You can't just continue to cut back on expenses every single day by 1% or you would literally not have any food or water. So you have to make sure that you understand that you're going to have to adjust your goals

Starting point is 00:11:09 once you get to a certain point. Don't overcommit to things, but adjust your goals as time goes on. We're going to talk about exactly how to do that today because this system is going to take you to reach your goals. I promise you that. If you follow this system, it will take you to the goals that you want to achieve, especially when it comes to your money goals. So let's take a look at Warren Buffett, for example.

Starting point is 00:11:29 Warren Buffett, if you don't know, we talk about him on this podcast all the time because in my opinion, he is the greatest investor of all time. And what I'm looking at here is I have a chart of Warren Buffett, and when this episode releases, I will put this chart on my Instagram at Master Money Co, and I'll throw it on TikTok as well at Master Money Co,

Starting point is 00:11:47 so that you can see this visually as I'm looking at it here. But this is a chart of the net worth of Warren Buffett over time. So when Warren Buffett was 14, he already had $5,000, which at that time, when he was 14, that's a lot of money because he actually side hustled and did a bunch of things. At the age of 21, he had $20,000. And by the age of 26, he had $140,000. Then by the age of 30, Warren Buffett was already a millionaire when at a time, a million dollars really was a lot of money.

Starting point is 00:12:16 And he did this through investing in a number of different things. And as you're going to see over time at 32, 33, he went from $1.4 million to $2.4 million. Compound interest is working here, and it's absolutely amazing. Then from age 36, he went to 8 million. Age 44, he was at 19 million. Age 52, he was at 376 million. So 44, he was at 19 million, and at 52, he was at 376 million. Think about this for a second as I'm saying this.

Starting point is 00:12:44 Warren Buffett is building up his portfolio by more than 1% every single day. And this is the amazing result of this. So by age 53, he jumped from 376 million to 620 million. By age 56, he finally reached a billion at 1.4 billion. And by age 59, he had 3.8 billion. But then all of a sudden, compound interest really starts to work for him. And by age 66, he had 17 billion. 72, he had 36 billion.

Starting point is 00:13:12 And 83, he had 58.5 billion. Today, Warren Buffett is worth 116.7 billion. This is starting off as a poor young man. who really just started to hustle on his own and started his own side business when he was a teenager 14 years old. This is the amazing power and this is one of the drastic examples

Starting point is 00:13:35 of the amazing power of looking at your goals and breaking them down by 1% and being amazingly consistent with your goals. Consistency is what's going to help you win this here. And you can utilize these principles of compound interest. This is why we talk about compound interest so much because compound interest is part of the principle of what's going to happen if you improve 1% every day or every week or every month,

Starting point is 00:13:58 all of the sudden those things are going to compound. This is why compound interest is one of the best things in the world, because you can compound anything, whether it's your money, whether it's your fitness level, whether it's your business, all these things can compound together. So when you have finite growth potential, the things that I've talked about where you can't increase the amount of money that you're saving every single month because you only have so much income,

Starting point is 00:14:21 or you can't lift more weight because you can only lift so much. weight as a human being. When you have that finite growth potential, you need to change your goals from 1% per day to different chunks of time. So maybe it's 1% a week. Maybe it's 1% a month. Maybe it's 1% a quarter biannually or maybe 1% a year. And all of these examples are the way that you break this out further if you have these finite goals. But as we talked about earlier, the compound effect of this is massive. Because the compounding effect that you're going to see as you do this over time and become laser focused on finding ways to make things more valuable is going to change everything for you. See, because early on, a lot of people tend to quit because they don't see results early on.

Starting point is 00:15:02 But if you stay laser focused, if you're looking at your goals and making sure that you consistently day in and day out do this, it's going to absolutely change everything for you. So if you're thinking about this to yourself and you're saying to yourself, hey, I don't know how to do this. I don't know how to get started right away. Here's a couple of things that you could do right now. And then we're going to get into a million things that you can do to start improving by 1% every week. day, month, depending on what it is. So how can you do this right now?

Starting point is 00:15:26 The first thing that you can do is have a selective attention span. So what I mean by that is you want to cut out everything that's negative and you want to add in everything that's positive. So for me, I have a selective attention span where I cut out anything news related whatsoever. I don't want to consume any news that is negative in my life. In addition, I cut out all the negativity and negative people in my life. I cut out unmotivated people. And the things I do pay attention to are things like my family.

Starting point is 00:15:52 and personal growth and wealth building. All of these things are what I focus on. So pay attention to what you're paying attention to. Because it's incredibly important to do that so that you're in the right mindset to do this day in and day out because you have to continue to want to do this day in and day out every single day.

Starting point is 00:16:08 And you can read the book Atomic Habits by James Clear. It's one of the best books out there. And he talks about the amazing value of 1% and getting 1% better every single day. And that is truly how you build the lifestyle you want. I remember when I needed to hire someone fast, but finding the right person quickly felt impossible. And if you've ever been there, you know how stressful this can be. That's where Indeed comes in. When it comes to hiring, Indeed is all you need. Instead of struggling to get your job post noticed,

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Starting point is 00:19:45 is you have to become laser focused on these goals. And one of the best ways to do that is to actually track it on a physical spreadsheet. Or you could do something like Ryan Paneda does with The Wealthy Way. And if you haven't heard the episode with Ryan Paneda, at the end, he's talking about his project called The Wealthy Way, where he has something called The Wealthy Way Planner that's free. And what that does is it's a way he just checks a box every time he accomplishes his goal for that day. It allows him to progress forward.

Starting point is 00:20:10 I do the same exact thing. What I utilize is a spreadsheet. I'll get it away to you guys for free. Check out the show notes for the link for it if you want it. And the spreadsheet, what I do is I say, hey, here's how many times I want to work out this week. Here's how many books I want to read this week. Here's how much time I want to spend on figuring out new wealth building principles.

Starting point is 00:20:29 And what I do is I go through each of those things. Each and every day I look at this spreadsheet and it tells me if I'm on track or not. And if I do it that day, then I put an X. And at the end of the week, I just review that spreadsheet to say, hey, did I progress in these areas that I wanted to progress in? If not, I need to review why that is and maybe adjust the way that I'm trying to progress 1% every single day and maybe make it weekly or monthly or whatever else. And then in addition, what I do is make sure that those goals are met so that I'm moving

Starting point is 00:20:58 forward every single day. Now, here are some things that you can work on. We're going to break these up into categories. So let's say, for example, you want to progress in your career. Now, one of the biggest things that you do to progress in your career is to increase your income at your job. And we wrote an e-book on exactly how to do that. So if you want to check that out,

Starting point is 00:21:16 it's in the show notes as well. What we're talking about here, though, is negotiating your salary or asking for a raise. So maybe you want to get a raise because you want to increase your income, which is the biggest catapult to building wealth. If you want to build tremendous amount of wealth, you want to increase your income

Starting point is 00:21:30 and focus the majority of your time on increasing that income. So how can you do that in your career? One thing you could do is increase your productivity by 1% every single day or improve your company. meeting efficiency by 1% every single day. Or improve your company's quarterly results by 1% every quarter.

Starting point is 00:21:47 Or increase your business's revenue by 1% every month if you have a business. Or increase your income by 1% every month. Or increase your clients by 1% every week. This is something that you can do where you're using the 1% principle to progress in your career every single day. Or you can take a different route and you can extend your career education. So maybe you read more business books that are surrounding the career you're in. I'll tell you what, I've learned so much more from reading business books than going to business school.

Starting point is 00:22:16 It's incredible how much more I've learned from books than from actually going to college. Or you can take an additional classes and certifications that are in your field. Maybe you're a nurse and you can take additional nursing certification so that you can get paid more. Maybe you're a plumber and you can take additional plumbing certification so you can make more per hour. Or you can go back to college and take MBA classes or go to college so that you can increase the amount of money that you make every single year. So career education is another way to increase by 1% every single day. Now, this is some of the big stuff because increasing your income at your job is the first place that you want to increase your income. But let's say, for example, you want to go the other route and you want to look at your personal finance.

Starting point is 00:22:54 Well, one place to look at that is if you're in debt, one of the best ways to do this is to get out of debt. So maybe you pay 1% more towards your debt every single week or every single month. So you can get that debt paid down because high interest debt is a pants on fire emergency. Now, what is high interest debt? We classify it here as anything above 5% is an emergency when it comes to paying down debt. Or maybe you make a debt plan so that you can pay that debt down faster. And we're going to talk about that in our free course. So sign up for our free debt course while leaving a link down below so that you can check that out and have that available to you.

Starting point is 00:23:29 Or you can improve your credit score. So paying down your debt helps you improve your credit score. Improving your credit score will save you six figures over the course of your lifetime. We have an episode talking about that. I'll link it up in the show notes. where you can do that and ensure that you can save over six figures over the course of your lifetime if you have better credit score if you have bad credit right now. Or maybe it's refinancing your mortgage because you have a high interest rate.

Starting point is 00:23:50 Or you're taking advantage of a 0% APR balance credit card where you're transferring over some debt over to a credit card, high interest debt that has maybe 15, 20% on a credit card and you transfer it over to a low interest credit card or a 0% credit card to save that interest rate on your debt. Or maybe you want to focus on saving. So maybe you want to increase your savings rate, by 1% each and every month. And at the end of the year, if you increase your savings rate

Starting point is 00:24:13 by 1% each and every single month, you're going to save 12% more by the end of the year. This is absolutely the best way to save more money. It's not trying to rip the whole Band-Aid off unless you are motivated enough to do that. But the best way to do it is to do it gradually so you don't feel the pain. In two years, if you did this in two years,

Starting point is 00:24:30 you'd be saving 25% of your income, which is where we recommend that you at least try to start. Now, in a lot of situations, that's tough. But if you do this slowly over the course of two years, and then you eventually start to save 24% of your income, all of the sudden what you're looking at here is you're looking at building a tremendous amount of wealth and you're going to be able to retire that much faster

Starting point is 00:24:49 because you did that. Or maybe you're trying to save for multiple savings goals. We have an episode we just did talking about that, so I will leak that up in the show notes as well. So you want to increase the amount that you're saving for a house or maybe a wedding or a car or that dream vacation that you've wanted to have for your mental health. All of these are amazing goals to have for your savings.

Starting point is 00:25:08 but increasing that amount by 1% every month or 1% every other month is going to make a tremendous difference over the course of that savings goal. Or maybe you just want to save more money overall, so you want to cut out the things that don't bring you value. Because what we talk about here on this podcast is if you want to save more money, what you want to do is look at everything that you spend money on, and if something you spend money on doesn't bring you value, cut it out. So you can spend lavishly on the things that do bring you value.

Starting point is 00:25:35 So if you love to go on vacation but don't really care about having a family, fancy car, get rid of the fancy car, get a normal car, and go on more vacations with the excess money. This is the cheat code with money that a lot of people just don't utilize because spending money and your dollars on the things that you value means that you're going to enjoy life more. And in addition, you're going to be doing the things that you love every single day and you don't have to be spending money on things you really don't care about. A lot of people spend money on things they really don't care about to try to impress other people instead of just spending their dollars on the things that bring them value.

Starting point is 00:26:07 And that's exactly what you should be doing with your money. So figuring out what those priorities are, maybe help you to get 1% better every single day with your savings rate. This is the incredible power of doing this. It's figuring these things out. Or maybe you want to increase your safety net and your emergency fund. So you want to increase the amount that you send your emergency fund by 1% every single month. That's 12% additional every single year. So you can fund up that emergency fund.

Starting point is 00:26:31 So if something happens in life, which it will eventually, then you can go ahead and have the money just. There. And having the money there is the most stress-free thing that you can have in your life. It's absolutely amazing to have the money just there. Or maybe you want to save your tax refund towards your emergency fund. Or you get extra cash, maybe from a bonus or unexpected gifts, and you could put that towards your emergency fund. See, these are some of the amazing things that you can do by getting 1% better every day. Focusing on getting 1% better in the category you want to focus on so that you can get better at it every single day. Or maybe you want to focus on the big three. You want to reduce your housing expenses so we improve your insulation or you change your light

Starting point is 00:27:12 bulbs out to LED. You're reducing your housing expenses over time. Or you downsize your house because your kids are all grown up. They've gone to college and all of a sudden now what you want to do is you need to downsize and you can sell your house, especially right now, for a fortune and then you can have that extra money to put towards what you want to do in life. Or maybe you want to reduce your transportation cost. And we're at a very unique time right now. where a lot of people have used cars that are the same price as new cars. And maybe this is the time where you can reduce your transportation cost. And if you haven't listened to our episodes on how we talk about buying vehicles and buying cars,

Starting point is 00:27:47 check them out below. We have two of them that we've utilized. First one is how much to spend on buying cars. And the second one is how you can actually have a free car for life. And the way you do that, spoiler alert is that you buy assets, things like rental properties. And the way you do that, spoiler alert, is you buy assets, things like rental properties where the cash flow from that rental property will pay for your car payment every single month. This is the amazing hack of wealth where you can have a free car for life if you do something like that.

Starting point is 00:28:15 Or maybe you want to evaluate your investing, where you want to eliminate fees, or increase the amount that you invest every single month by 1% every single week or month. Or you want to increase the amount that you're sending to your 401k or your Roth IRA by 1% every single month. This is how you build it up to the point that you want to get to is you increase it. it slowly and gradually. And over a year or two, all of a sudden, you're hitting your goals and you're going to retire that much faster. Now, if you're trying to pursue fire, you want to retire in 10 years,

Starting point is 00:28:41 you got to rip that band-aid off and do it right now. But if you're not going for that goal, then you can do some of these things and change your life forever just by gradually doing it and you won't feel the pain. If you're prone to giving up when things get hard, especially with your money, then doing this slowly and gradually over time is the best way to do it. Or maybe you want to increase the amount that you know about investing.

Starting point is 00:29:03 you're listening to more investing podcast like this one, or you're reading more books about investing. There's so many different things that you can do to increase it by 1%. Or maybe you're looking to get more time back, more time with your family, or doing more of what you love. So the way you do that is build out better systems. You get 1% better every single day at time management.

Starting point is 00:29:25 Maybe you're starting to batch things together. The way I do it is I batch tasks together each and every day so that I'm doing the same thing and I get them done faster. or you can do time blocking. In our episode with Jordan Harbinger, he talks about how he time blocks every single day where every hour of his day is mapped out so he can have more time with his family.

Starting point is 00:29:43 And he said he gets two times the amount done that a normal person does in the same eight-hour day. Or maybe you want to give more money to the causes you love. Maybe you want to give 1% more to causes you love. Or you want to spend 1% more time every single month giving back to causes in your area. These are amazing goals to help you out with that. Or maybe you want to evaluate your health care

Starting point is 00:30:04 and you want to start contributing to an HSA. We have an entire episode on the amazing power of the HSA. I would definitely check that out if you can. Or you can evaluate your plan every single year. See where you can save on that because you can save a tremendous amount of money doing stuff like that. Or you want to work on your personal development

Starting point is 00:30:19 where you want to learn more. So you want to spend 1% more of your time with your family every week. Or you want to read 1% more, give 1% more, get 1% more back every single day. These are amazing goals to have. These are amazing ways to look at the 1% rule. But think about ways that you want to do this in your own life.

Starting point is 00:30:35 Because as we're wrapping this episode up, what I want you guys to figure out is write down your goals of exactly how you want to do this in your own life. Because focusing on a few of these at a time is going to compound over the time and then all of a sudden you get comfortable with it. And then now you can add more things in over time that you can focus on getting 1% better every single day

Starting point is 00:30:53 and all of a sudden your life is completely changed. It's completely turned around by you doing this. And this is why it is so incredibly important to focus on things like this. And I'm sorry this episode sounds preachy. It sounds motivational. But this is something that is absolutely life-changing for most people. It's the small incremental differences that will absolutely change everything for you.

Starting point is 00:31:13 So listen, I hope this inspired you. I hope you got value out of this episode because this is the way, my friends, this is the way to change everything in your own personal life. And if you've been struggling for a long time, this is the exact way to turn it around. And as we wrap up episode 100 here, I want to thank each and every one of you once again for sharing this podcast, helping this podcast to grow because each and every one of you are responsible for helping this grow together. This is a movement that we're all in together with.

Starting point is 00:31:42 And this is something where we're going to show as many people as possible, this abundance mindset that anybody can build wealth. Listen, I appreciate each and every single one of you. And as always, if you have questions, hit me up on Instagram. And I will answer those questions for you so that we can get through this together. we can figure out exactly what the best plan is for you. Thank you guys so much for listening to this podcast. I appreciate each and every single one of you.

Starting point is 00:32:08 Don't forget to leave a five-star rating in review on Apple Podcasts or Spotify so we can grow this message together. And I will see you guys on the next episode. Thank you so much again. Rosen lasagna, medium power, 15 minutes. Sounds like Ojo time. Let's play. Feel the fun with Playojo.

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The Personal Finance Podcast - The Amazing Power of 1% (How to Get 1% Better With Your Money Every Day)

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