The First Time You Run Out
of Money Before Your Next Payday
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00:00 - Intro
01:05 - The First Time You Run Out
of Money Before Your Next Payday
02:51 - You Have a Hard Time
Saying No to Good Times
04:18 - The Moment You Have a Major Unexpected Payment
05:19 - You’re Fine With Having
One Income Stream
07:19 - When You Borrow
Money and Don’t Return It
08:58 - When You Take out a Loan
to Cover Everyday Expenses
10:14 - You Regularly Dip
into Your Savings
11:11 - You Have Debt That You Haven’t Been Able to Make a Dent On
12:30 - You’re Always
Following the Trends
13:38 - You Have No Idea What
You Spend Your Money On
16:02 - You Avoid Looking
at Your Bank Account
16:56 - You’re Missing Bill Payments Even Though You Have the Money
17:55 - You’re Hoping for a Windfall to Solve Financial Problems
19:00 - You Make Budgets
That You Don’t Stick To
20:09 - You’re an Impulse Buyer


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