Jun 8, 2026 · 27 min · 11 segments
In this episode I'm talking about a VERY important part of any goal: the pointless phase (don't worry, I'll explain). Nobody ever speaks about this aspect of personal finance, and often the advice we…
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And this is really important, um, with money stuff particularly as well, because it's like there's a numbers aspect.
You might literally be able to see that the amount that you're putting away into savings or putting away into investments or, um, paying off your debt is just so small in comparison to the number that you need.
And I think a big disconnect for people, especially with money and especially at times like these where you might be hearing from people online or on podcasts or friends and family or whatever, kind of saying their situation and the things that they do, the day-to-day stuff, that might objectively be the same day-to-day stuff that you're starting to do or that you need to do in order to be good with money, but they're coming at it, like I am coming at it, from a position of being out of the pointless phase.
But when you are still in the pointless phase, it makes you want to be like, "Get fucked.
Talking about how to pay off debt when you paid off your debt already and you have, I don't know, a half a million dollar net worth or something, that is going to f- not fall on deaf ears, but it's gonna feel different because the person that is talking about how they did it and what they do when they're now good with money, even though what they're doing is completely followable by anybody.
Of course, sometimes it's not, but let's say we're not talking about the crazy people that are like, "I invest $1 million a month." [laughs] Like, imagine it's just, you know, all of the, all of the good habits that you have when you're good with money are the same, regardless whether you're on day one or day 1,000.
What is different is the amount of momentum and the amount of progress that you've made.
And when it comes to money, that's gonna mean the amount of money that is in your bank account, the balance of your debt, the f- how far along you are with your financial timeline.
And this is one of my favorite kinda anecdotes to talk about because it proves so perfectly why money is not mathematical.
It is obviously partially mathematical, one plus one will always equal two, but it is so behavioral and so emotional, and there's so much of it lives in the psychology of it all.
Because a lot of the everyday money habits that I talk about on this podcast are completely no different to the way that I started to manage money when I had zero in savings and I was paying off debt.
But I now have the position of coming at them from having done that early phase where it feels pointless.
And so it makes what I'm doing feel like I'm coming at it from a different perspective, because I am, even though what I'm doing [laughs] is the same.
And I believe that if we were more accepting that the beginning period of anything, starting a business, starting to change your finances, starting a health journey, I don't know what, is going to feel pointless, we would better be able to push through the very real resistance that pops up in that phase.
And this is really important, um, with money stuff particularly as well, because it's like there's a numbers aspect.
You might literally be able to see that the amount that you're putting away into savings or putting away into investments or, um, paying off your debt is just so small in comparison to the number that you need.
And I think a big disconnect for people, especially with money and especially at times like these where you might be hearing from people online or on podcasts or friends and family or whatever, kind of saying their situation and the things that they do, the day-to-day stuff, that might objectively be the same day-to-day stuff that you're starting to do or that you need to do in order to be good with money, but they're coming at it, like I am coming at it, from a position of being out of the pointless phase.
But when you are still in the pointless phase, it makes you want to be like, "Get fucked.
Talking about how to pay off debt when you paid off your debt already and you have, I don't know, a half a million dollar net worth or something, that is going to f- not fall on deaf ears, but it's gonna feel different because the person that is talking about how they did it and what they do when they're now good with money, even though what they're doing is completely followable by anybody.
Of course, sometimes it's not, but let's say we're not talking about the crazy people that are like, "I invest $1 million a month." [laughs] Like, imagine it's just, you know, all of the, all of the good habits that you have when you're good with money are the same, regardless whether you're on day one or day 1,000.
What is different is the amount of momentum and the amount of progress that you've made.
And when it comes to money, that's gonna mean the amount of money that is in your bank account, the balance of your debt, the f- how far along you are with your financial timeline.
And this is one of my favorite kinda anecdotes to talk about because it proves so perfectly why money is not mathematical.
It is obviously partially mathematical, one plus one will always equal two, but it is so behavioral and so emotional, and there's so much of it lives in the psychology of it all.
Because a lot of the everyday money habits that I talk about on this podcast are completely no different to the way that I started to manage money when I had zero in savings and I was paying off debt.
But I now have the position of coming at them from having done that early phase where it feels pointless.
And so it makes what I'm doing feel like I'm coming at it from a different perspective, because I am, even though what I'm doing [laughs] is the same.
And I believe that if we were more accepting that the beginning period of anything, starting a business, starting to change your finances, starting a health journey, I don't know what, is going to feel pointless, we would better be able to push through the very real resistance that pops up in that phase.
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