Are you stuck on the financial treadmill, living paycheck to paycheck? This episode uses Dr. Ryan Anderson’s analogy of two rivers to illustrate your financial life: the chaotic Swift Stream (paycheck-to-paycheck anxiety) versus the deep Steady Flow (security and peace of mind).

The core problem, according to Dr. Anderson, is the Scarcity Mindset. We discuss how constant financial worry, drawing on research by behavioral economists, hijacks your cognitive bandwidth, making long-term planning nearly impossible and driving impulsive decisions. This stress keeps you trapped at the bottom of Maslow’s hierarchy of needs.

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