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Snippet of Screw Debt and Create Prosperous Financial Future with Marco LeRoc

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In snippet of episode 35 of The Growth Bomb Podcast, Marco LeRoc talks about what it takes to create a solid financial foundation and the process he used to publish not one but TWO books in one year even though English was not his first language.
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In snippet of episode 35 of The Growth Bomb Podcast, Marco LeRoc talks about what it takes to create a solid financial foundation and the process he used to publish not one but TWO books in one year even though English was not his first language.
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time you can go, like, you know, to receive, like, you know, free advice. Or why should you should be doing. But the first thing like you know, I'll tell those new ground new young people is like to start budgeting. You know, budgets wanted simple things, tools that we need to like, you know, observing habit. We don't do it. So once you start budgeting, you'll see Clear. And then Okay, you know what? This is what the problem is, and this is what I need to fix. Because, like, you cannot be spending more than what you bring in, you know? And it seems simple, but but I don't think a lot of people get that. Yeah, because sometimes, you know, this is a, like a financial plan of financial advisor. It just our behavior, you know, that's that. That's the kids, that financial behavior that where we go spend things, you know, we think like I can stop the car right now. And tomorrow. Magic, I'm gonna have the money to pay it back is not gonna happen, you know. So your financial behavior is we need to start with and then add to that budgeting. So your attitude towards money in your budget. So in your book, I'm not all the way through it yet. Do you give advice or strategy on how you set up that budget? Or I mean, what about people that let's say, I don't even know what a budget is? How do I How did I do that? Jenna is pretty simple, you know, And people should be ashamed of them because there's a lot of people out there don't know how to budget. It's okay, you know, sometimes like you have, you just have to learn. You know, so pretty much in my book we talked about, like, you know, simple way to set up a budget. So you have to have, like, you know, your income, which is a big items, okay, And then you have to have your expenses. You have to break down your expenses. So we have a fixed expenses, you have variable expenses, and then you have a discretionary expenses while fixed expenses and expenses that they don't change that much variable can change, like you know, your fool, your guys and all those kind of stop this Christian expenses and expenses that, like you know you go to the movie theater, you're like, you know, you go to your make up all those kind of fun stuff which you don't necessarily need. So that's what happened. You gotta look at your income, your total expenses. If your total expenses are more than your income, we have a problem. E S O. There's only two things we can do. Either have to increase your income. I go find out that job or decrease your expenses. Pretty simple. But guess who? A lot of people have a problem Identify those two things because we don't have a different between our once and our needs. That that problem, we get those two confused. So once you have a different between your once and you need, you should be to have, like, you know, a clear budget and then what you need to do. Also, you need to allocate. You should tell yourself like you know, this month of January or December, I'm only gonna spend like, you know, let's say 300 like on food. You write it down. That's your budget. So if by the end of the month let's say like, you know, the 20th of the month. If Jenna calmest here. Marco, let's go have a lunch at this fancy restaurant. I cannot go. I'm gonna say Jenna almost oversee my food budget for the month. So then I cannot go. So that's that's just how you do it. So discipline is what I'm hearing is what it takes. Its knowing the numbers and then having the discipline that actually, I think the problem is Marco. A lot of people know what they should be doing and what they shouldn't be spending. But they don't have the discipline to say exactly. That's what I said that they're going to say, Hey, I want John is awesome. I want to go to lunch Internal matter. Well, if I spent my 300 bucks or not, that's our behavior. Financial behavior, that that's a big problem. Alright, cool. So we know a little bit more background about you about how you got these two books published some ideas about what you do in terms of financial literacy. Let's take a step back for a minute. And what would you say? Just in general, is your definition of success? Well, that's a That's a big question, right Yeah, because, like, you know, I mean different people can enter prayer. I define success in a different way, but to me, successes has been happy, create and simple, you know, because there's some people out there, they're not happy. They stressed by money or have, like, you know, health problem. So to me, being successful has been happy. Whatever I mean to you to be happy. That's my definition of success. Love it simple. Keep it simple. What would e I appreciate that. Thank you. And I need that right now. All right, So what would you say in building your business? Marco has been the most effective strategy that you've used. Thio grow your business and drive growth. You know, it's pretty simple, is about helping people. You know, that's that's just my key, you know, helping people. And I focused on my generation, you know? So I spent a lot of time going to high school student in college student, you know, and to kind of emphasize the importance on financial research, education and budgeting and saving and start, like, you know, investing when you get out of college, you know? So to answer your questions like You know, it's not just about like, you know, going having, like, you know, those speaking engagement. But it's like, you know, working on one on one, you know, with my peers and my system brothers, you know, and helping them to see clear because there's people out there they don't know they have a problem, you know, till we'll see down and walk through the number. They're like, Oh, my God, what's happening? You know, so
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