IN THIS EPISODE, YOU’LL LEARN:03:06 - Why behavior and mindset are so important when it comes to money.04:42 - What value-based spending is and how it can help with balancing the YOLO and future-thinking mindsets.  06:07 - What “keeping up with the Joneses” means and why you shouldn’t do it.10:57 - How to fight back against lifestyle creep.12:53 - How to avoid or get out of the paycheck-to-paycheck cycle.14:16 - What the difference is between bad debt and good debt.14:16 - How to get out of bad debt and leverage good debt.18:37 - If one should use or avoid credit cards and how to appropriately use them.30:08 - What silent killers are in terms of money.36:54 - What the shocking cost of cars is and the myths of car loans.44:25 - How to successfully manage money with one’s partner and avoid divorce.And much, much more!*Disclaimer: Slight timestamp discrepancies may occur due to podcast platform differences.EPISODE RESOURCESRobert and Clay’s tool for picking stock winners and managing our portfolios: TIP Finance.Aaron Nannini’s book Cash Uncomplicated.Thomas Stanley and William Danko’s book The Millionaire Next Door.Ramit Sethi’s book I Will Teach You To Be Rich.Support our free podcast by supporting our sponsors.Invest in crypto and trade it without tax headaches with AltoIRA.Loansteady is here to find a mortgage that works for you, not the other way around. They are waiving all lender fees for listeners of Millennial Investing. Important terms and conditions apply. Loansteady LLC, All rights reserved, NMLS# 1701910, Equal Housing Lender. For more licensing information, please visit https://www.loansteady.com/licenses-and-legalTell mom how much you love her—and make sure she hears it in crystal-clear audio quality, with Raycon.Protect your family with Fabric Insurance's term life insurance now, in just 10 minutes.Design is already in your hands with Canva. Start designing for free today.Get insights on how to plan for your financial goals with The Globe and Mail. Listeners get a special digital subscription rate for unrestricted access to everything.Read this episode’s transcript and full show notes on our website.Connect with Aaron: Website | Facebook | LinkedIn | Instagram Connect with Robert: Website | Instagram | TwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.