Replying to @sbphair1 de-influencing you out of a 400 step skin care routine. I used to use all the expensive skincare products, and I was constantly breaking out. I thought I needed a 400 step routine, when the reality was a lot of those products actually just made my skin worse. Like the EOS lip chap that actually has DRYING INGREDIENTS in it to make your lips more chapped so you use it more. So there's a principal I teach called WPM, or why pay more. Essentially if you can get the same benefit for less, why pay more? Learning this really helped me stop buying expensive things just because I thought they were better, and figured out ways to get the same benefit for less so I could have more money for other things I loved. Instead what I use now is African Black Soap - this bar lasts me like a year and it was only about $20, its all natural and I've never had better skin. I wash once a day with it, be careful when you first start using it because it can be drying, I started with maybe 3x a week. Then I use this Neutrogena oil free cream, and Vaseline on my lips after. I went from spending hundreds a year, to a fraction of that.
Replying to @morgantannerart Ready to take your finances to the next level? Say goodbye to high-priced financial advisors and hello to taking control of your money! š° Did you know that using a financial advisor can come with significant costs? According to a study by Vanguard, the average advisor fee for a portfolio with a balance of $250,000 is approximately 1.25% annually. Over time, this can add up to tens of thousands of dollars in fees! If you're in high priced mutual funds, I've seen these as high as 3%!! But, the high fees don't always lead to better results. In fact, a study by Dalbar Inc. found that the average investor who used a financial advisor underperformed the stock market by 3.66% annually over a 20-year period. Meaning you could have made a lot more on your own (for minimal effort). Investing on your own may seem intimidating, but it's not as difficult as it may seem. If you can learn to drive a car, you can learn to invest too! š Don't take our word for it, check out our free investing masterclass available on our website under FREEBIES. You'll learn how to start investing with confidence and reach your financial goals. Note: If you are going to use a financial advisor, you still need to know how to invest on your own. You need to be able to have the conversations about your money and make sure you are comfortable and confident about your trajectory. If you use a financial adviser make sure you use a fee only fiduciary. It's time to say goodbye to costly fees and hello to financial freedom! #investingtips #financialeducation #moneymoves šŖ