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THE COST OF MY BROKE MINDSET / A THREAD /
@CJ_Johnson17th courses and Money Twitter have truly revolutionized my life.
But I want y'all to understand the low point that I came from.
I want y'all to understand the cost of a broke mindset.
MY broke mindset!!
HIGH SCHOOLI didn't grow up in a family with a lot of money.
So when I got my first job in my junior year, I was overjoyed to finally be earning.
So overjoyed that I got into vaping.
JUUL's, SMOKs, you name it.
HIGH SCHOOL (CONT)For the rest of high school, I had piss poor spending habits.
- Vape juice
- A new iPhone
- Clothes
-Shoes
I was spending all my money on nonsense, and little did I know, it was only going to get worse during college.
FRESHMAN YEARI've been a nerdy kid for most of my life.
I smoked weed a few times before college, but nothing major.
So when I started college, everything was so foreign and inviting to me.
I immersed myself in all of it and disregarded my bank account.
FRESHMAN YEAR (CONT)Before college, I was spending less than $40 a month on vape juice.
A month into the first semester, that number jumped to $100.
That $100 was soon paired with $30+ a week on eating out and alcohol for parties.
(Insomnia Cookies had my heart
)
FRESHMAN YEAR (CONT) Not long after the first surge in spending, I spent $200...
On a bong, pipe, and grinder.
I remember the joy of picking up those packages from my RSD like it was yesterday.
From there, I was spending $100 - $150 a month on bud.
FRESHMAN YEAR (CONT) In the winter, I received a college refund for over $1,000.
Coupled with a work bonus of around $220.
As you might've guessed, the money didn't last.
Most of it went to:
- Champs
- Nike
- iPhone
- Adidas
PAUSENone of these expenses were overly large.
But remember:
- I had no job at school
- I barely saved any money during my summer job
I remember being too broke to afford a Spring concert ticket for Lil Uzi.
That was truly one of my lowest points.
2019 SUMMERI worked like a dog that summer.
I picked up shifts left and right.
I worked doubles regularly.
My last paycheck in August was for nearly 63 hours.
I became as frugal with my money as Mr. Krabs.
SOPHOMORE YEARI started off the semester well.
- I was eating out once or twice every few weeks
- I had no urge to buy clothes that I didn't need
But in late October, I crumbled.
My bong's perc broke, so I bought a new one.
And then, I started buying at least a Q a week.
SOPHOMORE YEAR (CONT) With that came eating out more frequently.
It became $400+ a month, which was a problem
Because at the time my loan payment was due.
I really had to get my act together.
And I did, at least just enough to get by.
SOPHOMORE YEAR (CONT) Did I ever get my spending down to an ideal level? Not even close.
Money was so tight that at a Brown debate tournament, I brought a container of snacks because I couldn't afford to eat out.
My saving grace was a custodial job for my work-study.
SOPHOMORE YEAR (CONT) Thanks to it, my money situation improved.
It wasn't where I wanted it to be, but it also wasn't as bad as it once was.
It took a blow from buying a refurbished iPhone Xs, but nothing major.
In the end, I finished my sophomore year well.
THE PANDEMIC For the last 3 years, I've worked as a wait staff server at a retirement home.
The Resident Favorite, people called me :)
So I had job security during the coronavirus.
I also had several college refunds coming in because of the Rona.
THE PANDEMIC (CONT) Refunds to the tune of nearly $2,500
Around the time of these refunds, I purchased Chris Johnson's SMG course.
I sat on starting the course, and to this day, I wish I hadn't.
THE PANDEMIC (CONT)I broke my refunds down like this:
- $1,000 in my High-Yield Savings
- $300 to get my start in the stock market
- Over $1,000 on Uggs, sneakers, and new gear
THE PANDEMIC (CONT) Seeing that last expense in my checking was the final blow.
A few days later, I started @CJ_Johnson17th's SMG course.
And Lord Almighty did it change my life.
CLOSINGHis course showed me the cost of my broke mindset.
It showed me where I should park my money:
- Not in my demise (liabilities)
- But in my long-term success (assets)
That course changed my life trajectory.
Chris, I can't ever thank you enough.
