“Broke is temporary, but an unexamined poor mindset can be permanent.” As we discuss with our guests today, your mindset makes all the difference and your finances are no exception. And speaking of guests, one is a CFP financial psychologist and the other is a former professional dancer for T-Pain, an unlikely pairing! Dr. Brad Klontz and Adrian Brambila are the co-authors of the new book “Start Thinking Rich: 21 Harsh Truths to Take You from Broke to Financial Freedom”. This book is all about delivering actionable solutions to increase and diversify income, to help you save what you make, and to discover ways to grow your money in your sleep. Externalizing your problems, taking a victim mentality, and constantly looking to others to provide for you are the exact wrong behaviors and the embodiment of an unhealthy mindset that will keep you from attaining your goals. Listen as we discuss some of their harsh truths like getting rid of poor friends, blaming yourself if you’re poor as an adult, and plenty more!   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Join a thriving community of fellow money in the HTM Facebook group.
• Find the best credit card for you with our new credit card tool!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.
• Don’t be cheap and forego getting a life insurance policy. Compare rates with Policygenius.

  During this episode we enjoyed a Jewel City by Brewyard Beer Co – a big thanks to Better Joel, JO, 5am Joel for donating this one to the pod! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!   Best friends out!See omnystudio.com/listener for privacy information.