So our world today has more access to knowledge than ever before. But knowing what you should do

doesn't mean that your habits and your behaviors change along with it. So today we're going to

talk about five common sense things that you already know, but you're not doing. So before we get

started, make sure to hit subscribe and share this episode with a friend. So Ramsey, we always say

that personal finance is 80% behavior and it's 20% head knowledge. Because the truth is,

is that majority of personal finance to win with your money, it doesn't take a ton of

head knowledge. It takes you actually doing the thing. And so when it comes to common sense,

like this is a great way to live your life when it comes to money. And what's hard, though,

is we know what to do, but actually doing it and putting into practice is what's difficult.

And we're all human,

and we have daily habits that aren't executed perfectly every single day, and we're doing everything

exactly right. But I think what matters is over time, there's consistency in our habits that

creates the life that we want. Okay, so now here's my list of things that you probably already

know, but you may not be doing. Number one is to live on less than you make. This always sounds

like groundbreaking advice when I say it sometimes. I'll be like, you know, live on less than you make.

And everyone's like, oh, it's so simple. Well, it's hard as the average American

isn't doing it because we have leveraged ourselves and we have created a life that is more than what

we are bringing in. And when you get in the habit of living on less than you make, you make

different choices with your money and different choices when it comes to what you purchase as well.

You know, I think about my parents sometimes and my mom has always been a saver, always, always, always.

And like, they're doing fine now in life, right? They can do it. But I look at her habits.

She still kind of lives under this assumption and some of the way she does things is like, oh, yeah,

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