personal finance, for idiots like me.

Smart Finance
Smart Finance
3 Video Views·Sep 27, 2026

Let’s be real, personal finance can be very *boring*. Spreadsheets. Budgets. A whole long list of things that you shouldn’t buy, definitely shouldn’t buy, and absolutely shouldn’t buy. So for a long time I looked at that and went, no thanks - after all, I wanna live life outside of a spreadsheet. But after a lot of reading, fact checking and soul searching I’ve gotten to point in realizing that if you follow just three simple rules, you’ll probably be doing better than 90% of people out there.

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0:00 Intro
1:37 The 50/20/30 Rule
3:44 The Boring Rule
6:11 The ‘Conscious Spending’ Rule