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Be Money Smart

作者: Augustia

最近更新: 4个月前

Wiser Richer Happier "Be MoneySmart” is your daily dose of financial wisdom that unlocks the secret...

Recent Episodes

Ep28. Reframe to Outsmart Manipulators

Feeling like you’re constantly swimming against the tide—bosses setting impossible targets, family members pushing their agenda, or friends squeezing you into decisions? In this episode of Be Money Smart, Augustia shares the simple phrase that flips the script on manipulators: “the problem isn’t here.” Learn how to: Reframe impossible KPIs at work by shifting focus to strategy and realistic planning. Turn academic or household pressure into collaborative conversations about effective methods and shared responsibility. Identify your leverage—legal rights or unique contributions—to force others to honor promises. Use a three-step strategy: list your manipulators, uncover their true goals, and meet those on your terms.Click through and listen to the end for real-life examples and actionable tactics that will give you the clarity and confidence to stand your ground.00:08 – Introduction00:57 – Recognizing Manipulation02:11 – Example 1: Reframe the Problem03:44 – Applying Reframing Beyond Work04:40 – Example 2: Leverage Your Strengths05:50 – Three-Step Anti-Manipulation Strategy07:30 – Closing————————————————————"Be Money Smart" is a daily podcast that introduces how to smartly earn wealth and understand its underlying principles. It covers the "philosophy, methods, techniques, and tools" for acquiring material wealth, spiritual wealth, and health body and mind. We hope to help everyone establish healthy and positive wealth concepts, making it easier to achieve life's financial goals. We wish all our listeners early achievement of financial freedom!. For business collaboration, please contact: augustia0816@gmail.com

4个月前

7分钟

Ep27. China’s Entrepreneurs: More Than Cash

Discover the untold side of China’s “richest” entrepreneurs—where immense responsibility outweighs flashy success. In this episode of Be Money Smart, host Augustia peels back the myth of overnight millionaire founders, revealing how private business leaders juggle the livelihoods of thousands, relentless scrutiny, and the weight of national progress. From Huawei’s Ren Zhengfei structuring his empire beyond a single leader to Fuyao Glass’s Cao Dewang adapting foreign tech against regulatory odds, you’ll witness diverse philosophies that shape a new China.00:00–02:00 Introduction to the topic02:00–03:30 Different leadership philosophies03:30–04:15 Case studies04:15–05:30 The burden of entrepreneurship05:30–07:07Conclusion————————————————————"Be Money Smart" is a daily podcast that introduces how to smartly earn wealth and understand its underlying principles. It covers the "philosophy, methods, techniques, and tools" for acquiring material wealth, spiritual wealth, and health body and mind. We hope to help everyone establish healthy and positive wealth concepts, making it easier to achieve life's financial goals. We wish all our listeners early achievement of financial freedom!. For business collaboration, please contact: augustia0816@gmail.com

4个月前

7分钟

Ep26. How to Overcome Low Starting Points

Are you held back by where you started in life? What if your background doesn’t have to define your future success? In this powerful episode of Be Money Smart, host Augustine shatters the myth of a “low starting point" and reveals how your mindset, clear goals, and authentic hard work can propel you far beyond any limitations. Whether you come from privilege or struggle, the real secret lies in focusing on what you can control and pushing forward with purpose.00:00 - 01:15 | Introduction and Theme: Starting Point Does Not Define Future01:15 - 02:29 | Two Types of Factors in Life: Fixed and Changeable02:29 - 03:36 | Education as a Path Upward, Especially in China03:36 - 04:45 | Sales as an Example: Success Does Not Depend on Background04:45 - 06:25 | Reframing ‘Low Starting Point’ and Avoiding Comparison06:25 - 09:04 | Advice for Students and Goal Setting09:04 - 10:05 | Internal Rewards of Achieving Meaningful Goals10:05 - End | Closing Message————————————————————"Be Money Smart" is a daily podcast that introduces how to smartly earn wealth and understand its underlying principles. It covers the "philosophy, methods, techniques, and tools" for acquiring material wealth, spiritual wealth, and health body and mind. We hope to help everyone establish healthy and positive wealth concepts, making it easier to achieve life's financial goals. We wish all our listeners early achievement of financial freedom!. For business collaboration, please contact: augustia0816@gmail.com

4个月前

10分钟

Ep25. Work and Love Shouldn’t Exhaust You

"If a relationship drains your energy… it’s costing you more than you think."Whether it’s a romantic partner, a friend, or your job — the healthiest connections don’t feel like hard work. In this eye‑opening episode of Be Money Smart, discover how to spot truly “low‑maintenance, high‑value” relationships, why compatibility is the secret to effortless collaboration, and how to know when it’s time to walk away.Your time and energy are your most precious resources — learn how to protect them. 🎧0:08 – Introduction: The Importance of Relationships0:29 – Characteristics of Healthy Relationships1:16 – Signs of Good Relationships1:58 – The Value of Understanding Each Other3:20 – Parallel Between Work and Personal Relationships4:10 – Workplace Examples5:06 – Knowing When to Move On5:40 – Final Advice————————————————————"Be Money Smart" is a daily podcast that introduces how to smartly earn wealth and understand its underlying principles. It covers the "philosophy, methods, techniques, and tools" for acquiring material wealth, spiritual wealth, and health body and mind. We hope to help everyone establish healthy and positive wealth concepts, making it easier to achieve life's financial goals. We wish all our listeners early achievement of financial freedom!. For business collaboration, please contact: augustia0816@gmail.com

4个月前

6分钟

Ep24. Think 10x Bigger – Set the Bar High, Win Even Higher

What’s the real difference between those who just get by and those who build fortunes? In this episode of Be money Smart, Augustia reveals the game‑changing secret: aiming outrageously high. You’ll learn why small goals keep you small, how big visions attract powerful allies, and the mental shift that could multiply your results tenfold.Packed with memorable stories and practical tips, this episode will challenge how you set goals and show you how thinking bigger can transform your wealth — and your life. Don’t miss the ending… it might just change your future.00:08 – 00:55Introduction – linking mindset episode to previous skill-focused episode.00:55 – 01:50Aim above your target; higher goals yield better outcomes.01:50 – 02:44Ambition and guts often trump elite backgrounds.02:44 – 04:0310x thinking forces revolutionary approaches.04:03 – 05:57Mindset shift attracts like-minded allies; watch who you keep close.05:57 – 06:50Wealth as a top priority; balancing with other values.06:50 – 08:07Bricklayer story illustrating vision and goal setting.08:07 – 09:39Practical goal-setting and “10x better” question.09:39 – End Closing remarks – skill + big mindset are essential.————————————————————"Be Money Smart" is a daily podcast that introduces how to smartly earn wealth and understand its underlying principles. It covers the "philosophy, methods, techniques, and tools" for acquiring material wealth, spiritual wealth, and health body and mind. We hope to help everyone establish healthy and positive wealth concepts, making it easier to achieve life's financial goals. We wish all our listeners early achievement of financial freedom!. For business collaboration, please contact: augustia0816@gmail.com

4个月前

10分钟

Ep23. Wealth-Building Hacks: Master Allocation Skills

What if managing your resources—money, time, people—is the real secret to building wealth? In this episode, Augustine reveals how your ability to allocate wisely creates positive feedback, attracts bigger opportunities, and transforms every part of your life. Discover why top performers aren’t just earners—they’re world-class allocators. Stick around and you’ll learn how this skill can put you on the fast track to success, both financially and personally.00:09 – Introduction to Allocation and Wealth00:38 – Resource Oversight01:37 – Application to Individuals and Businesses02:45 – Resource Allocation = Power04:40 – Example of an Effective Allocator05:22 – Leadership Through Practical Solutions07:10 – Positive Feedback Cycle07:40 – Wealth Control as a Prerequisite to Wealth Creation08:24 – Ability + Goals08:54 – Spending vs. Investing Mindset09:13 – Holistic Wealth Allocation10:32 – Closing————————————————————"Be Money Smart" is a daily podcast that introduces how to smartly earn wealth and understand its underlying principles. It covers the "philosophy, methods, techniques, and tools" for acquiring material wealth, spiritual wealth, and health body and mind. We hope to help everyone establish healthy and positive wealth concepts, making it easier to achieve life's financial goals. We wish all our listeners early achievement of financial freedom!. For business collaboration, please contact: augustia0816@gmail.com

5个月前

11分钟

Ep22. BTC Crosses 120,000 USDT

Bitcoin just smashed $120k, hitting over $123k before pulling back slightly. What’s driving this surge? Policies, institutional money, and its rise as a major asset. Learn why dollar-cost averaging works, if $200k is possible, and how to play it safe—no leverage needed. Dive in to stay ahead 00:08 - Bitcoin's price movement: 00:52 - Drivers of Bitcoin's previous major rallies 01:31 - Personal investment adjustment 02:25 - Bitcoin as a major asset 03:31 - Higher returns and investment strategies 05:25 - DCA suitability and tests 07:14 - Reasons for Bitcoin's surge and policy impact 09:01 - Impact on other cryptos and allocation 09:47 - Investment analysis and operation 11:17 - Episode summary and call to action————————————————————"Be Money Smart" is a daily podcast that introduces how to smartly earn wealth and understand its underlying principles. It covers the "philosophy, methods, techniques, and tools" for acquiring material wealth, spiritual wealth, and health body and mind. We hope to help everyone establish healthy and positive wealth concepts, making it easier to achieve life's financial goals. We wish all our listeners early achievement of financial freedom!. For business collaboration, please contact: augustia0816@gmail.com

5个月前

12分钟

Ep21. Simple Time Management That Works

Stop Drowning in Time Management Apps – This Simple Mindset Shift Will Transform How You Control Your DayForget everything you think you know about time management. While everyone else is obsessing over productivity apps, complex scheduling systems, and cramming every minute with tasks, Augustia reveals why 97% of time management attempts fail – and the surprisingly simple approach that actually works.This isn't another generic productivity hack. Augustia cuts through the noise with a counterintuitive truth: the best time managers only schedule 1-2 items per day and intentionally leave 20-40% of their time completely open. Sounds backwards? That's exactly why it works.00:09-02:05 Foundation of Time Management02:05-03:04 Core Principles03:04-04:55 Goal Categorization05:15-06:55 Strategic Approach06:55-09:29 Practical Implementation09:29-11:17 Maintaining Simplicity11:17-13:00 Final Recommendations————————————————————"Be Money Smart" is a daily podcast that introduces how to smartly earn wealth and understand its underlying principles. It covers the "philosophy, methods, techniques, and tools" for acquiring material wealth, spiritual wealth, and health body and mind. We hope to help everyone establish healthy and positive wealth concepts, making it easier to achieve life's financial goals. We wish all our listeners early achievement of financial freedom!. For business collaboration, please contact: augustia0816@gmail.com

5个月前

13分钟

Ep20. Central Bank of China Increased Gold Reserves in June

Discover Why the World Is Rushing to Buy Gold—And What It Means for YouAre you curious about why central banks across the globe are snapping up gold at record rates? Wondering how global conflicts, economic uncertainty, and shifting financial strategies are reshaping the future of gold reserves? Dive into this episode of "Be Money Smart" with host Augustia, where we break down the latest trends in central bank gold buying, reveal the motivations behind the world's top gold purchasers, and explore what these moves mean for everyday investors.0:00 Introduction to the episode on global gold reserves, hosted by Augustine.0:37 Major news: The People's Bank of China increased its gold holdings for the eighth month in a row as of June 2025, reaching 2,298.5 metric tons.1:29 Discussion begins on the driving forces behind the global gold buying spree.1:51 Gold is highlighted as a classic safe haven during periods of global instability and uncertainty.2:13 Strategic diversification is a key motivation; central banks are moving away from US assets, seeking more resilient reserves.2:35 Poland has led global gold purchases in 2025, surpassing China in net gold reserve increases.2:58 Other countries, including the Czech Republic, Turkey, and Central Asian nations, have also increased gold holdings, though some trimmed reserves in June.3:20 Poland’s motivation is driven by proximity to the Russia-Ukraine conflict, prompting a shift from US assets to gold.8:09 Conclusion: Encouragement for listeners to stay informed, noting that gold remains a solid long-term investment in uncertain times.————————————————————"Be Money Smart" is a daily podcast that introduces how to smartly earn wealth and understand its underlying principles. It covers the "philosophy, methods, techniques, and tools" for acquiring material wealth, spiritual wealth, and health body and mind. We hope to help everyone establish healthy and positive wealth concepts, making it easier to achieve life's financial goals. We wish all our listeners early achievement of financial freedom!. For business collaboration, please contact: augustia0816@gmail.com

5个月前

8分钟

Ep19. How to Catch Trends？

Catch the Wave: How to Ride Trends and Transform Your FutureAre you ready to break free from the ordinary and seize the opportunities of tomorrow? In this episode of Be Money Smart, host Augustia dives deep into the art of catching trends—whether you’re a fresh graduate, a career changer, or an entrepreneur eager to outpace the competition.Discover: How to spot and ride the hottest trends—like AI and self-media—no matter your background. Ways to combine your unique skills with cutting-edge technology for greater success. Inspiring stories of individuals who leveraged trends to redefine their careers and income. Practical advice for staying relevant, energetic, and optimistic at any age.Don’t settle for outdated paths or wait for success to find you. Learn how to create your own value, adapt with the times, and ride the waves of change all the way to the top. Hit play and unlock strategies to future-proof your career—stay tuned until the end for the most actionable insights!0:09Introduction to the topic of catching trends and why it's relevant for everyone.0:43Target Audience:Recent graduates, career changers, investors, and entrepreneurs.1:10Main Takeaway:Trends should be caught gradually, step by step, not all at once.1:30Advice for Recent Graduates:If you lack a clear career path, explore current hot trends like AI, regardless of your major.2:20Combining Backgrounds:Leverage your existing background (e.g., medical, liberal arts) with new trends to stand out and potentially earn more.2:52Choosing Trends:Focus on promising and valuable trends, especially those with high technical barriers. Be willing to adapt and learn.3:28Warning:Avoid staying in comfort zones or industries in decline; such paths may limit opportunities and income.3:54Create Value:Don't just wait for a big payoff after years of work—strive to create value that fits today's market.4:24Example:Art students should use AI tools to enhance their art and monetize their skills faster, rather than ignoring new technology.5:00Media Professionals:Success stories of leveraging self-media platforms and technology to commercialize skills.5:49Advice for 35+:For those over 35 considering a career change, keep learning, stay energetic, and mix experience with new trends.7:35Foundations + Trends:Combine your own foundations with current trends instead of chasing every new fad. Avoid abandoning your expertise for short-lived opportunities.8:22Conclusion:Stay rational, optimistic, and keep pursuing trends that suit you, while being aware of risks and adapting as needed.————————————————————"Be Money Smart" is a daily podcast that introduces how to smartly earn wealth and understand its underlying principles. It covers the "philosophy, methods, techniques, and tools" for acquiring material wealth, spiritual wealth, and health body and mind. We hope to help everyone establish healthy and positive wealth concepts, making it easier to achieve life's financial goals. We wish all our listeners early achievement of financial freedom!. For business collaboration, please contact: augustia0816@gmail.com

6个月前

8分钟

Ep18. KPI Burnout? Discover Smarter Goal Setting

Are you feeling the pressure as the first half of 2025 wraps up, scrambling to hit those ever-moving KPI targets? You’re not alone. In this episode of Woman Smart, Augustia dives deep into the world of Key Performance Indicators—unpacking why, for many, KPIs feel more like a numbers game than a true measure of success.Discover: The hidden pitfalls of traditional KPI-setting in both private and state-owned companies Why simply hitting your targets might leave you feeling unfulfilled—and what you can do about it How relentless KPI increases can turn healthy competition into a zero-sum game The difference between KPIs and OKRs, and why the latter might offer a more meaningful path to real achievement Practical tips for pushing back on unreasonable goals and focusing on value creation instead of empty metrics00:08Introduction to KPIs and the common rush to meet them in the first half of 2025.00:50Discussion on how KPIs in traditional companies often feel meaningless, with targets constantly moving and fostering competition rather than collaboration.02:34Questions whether KPIs truly drive improvement or just superficial progress, warning about losing sight of the bigger picture.02:55Stresses the importance of focusing on real achievements and value creation, not just hitting numbers.03:20Advises questioning overly ambitious KPIs, challenging groupthink, and pushing back on targets that lack real value.05:00Warns against forcing unreasonable KPIs and suggests finding alternative ways to earn if KPIs are unfair or meaningless.06:20Introduces OKRs as a potentially more reasonable alternative to KPIs, but notes they require more learning and understanding.06:54Provides an example illustrating the difficulty of perfectly matching effort to results, especially for subjective or non-quantifiable goals.07:48Suggests OKRs may be better for goals that are hard to measure, emphasizing the need for flexibility and a proactive approach.08:15Encourages deeper thinking about goal setting, recognizing that both KPIs and OKRs have flaws, and recommends improving what does not work.08:54Concludes the episode, encouraging listeners to break free from the shadow of KPIs and continue reflecting on meaningful work goals.————————————————————"Be Money Smart" is a daily podcast that introduces how to smartly earn wealth and understand its underlying principles. It covers the "philosophy, methods, techniques, and tools" for acquiring material wealth, spiritual wealth, and health body and mind. We hope to help everyone establish healthy and positive wealth concepts, making it easier to achieve life's financial goals. We wish all our listeners early achievement of financial freedom!. For business collaboration, please contact: augustia0816@gmail.com

6个月前

9分钟

Ep17. How to Make Money in Uncertain Times

Are you tired of hearing the same old advice about making money—especially when nothing in the world seems certain anymore? In this episode of "Be Money Smart," host Augustia pulls back the curtain on what it really takes to thrive financially in 2025’s unpredictable landscape. Forget cookie-cutter business plans and promises of overnight success. Instead, discover why embracing uncertainty, focusing on fundamentals, and staying proactive are the real keys to building wealth—and a better life—even when the rules keep changing.【时间轴】00:08Introduction00:59Uncertainty is Universal02:27Change is Constant02:56Does Hard Work Matter?03:18Focus on Fundamentals04:33Stay Proactive05:10Don’t Copy Others Blindly06:25Action Steps————————————————————"Be Money Smart" is a daily podcast that introduces how to smartly earn wealth and understand its underlying principles. It covers the "philosophy, methods, techniques, and tools" for acquiring material wealth, spiritual wealth, and health body and mind. We hope to help everyone establish healthy and positive wealth concepts, making it easier to achieve life's financial goals. We wish all our listeners early achievement of financial freedom!. For business collaboration, please contact: augustia0816@gmail.com

6个月前

8分钟

Ep16. Stop Wasting Time: Focus on What Matters Most

Are you tired of feeling “busy” but not actually making progress? In this episode of Be Money Smart, we exposes the trap we all fall into: spending our time on easy, low-impact tasks while avoiding the real challenges that drive success. Through relatable stories and practical advice, Augustine reveals why tackling the hardest 20% of your work is the secret to breakthrough results—whether you’re prepping for an exam, managing a big project, or building a new skill.“Growth happens when you lean into discomfort, not when you play it safe.”00:08Introduction to avoidance behavior and "cart before the horse" metaphor01:11Procrastination: delaying important work with busy tasks01:32Example: Exam prep—avoiding practice exams for less effective study methods02:44Importance of targeted, efficient work (practice exams vs. scattered review)03:0580/20 rule: Most results come from a small portion of the work04:53Real success comes from focusing on the core, difficult tasks05:42Discomfort is necessary for growth; avoiding it stunts progress06:39High performers quickly identify and tackle core problems07:13How to break the avoidance cycle: recognize, prioritize, and embrace discomfort08:24Conclusion: Focus on impactful work, embrace discomfort, and call to action————————————————————"Be Money Smart" is a daily podcast that introduces how to smartly earn wealth and understand its underlying principles. It covers the "philosophy, methods, techniques, and tools" for acquiring material wealth, spiritual wealth, and health body and mind. We hope to help everyone establish healthy and positive wealth concepts, making it easier to achieve life's financial goals. We wish all our listeners early achievement of financial freedom!. For business collaboration, please contact: augustia0816@gmail.com

6个月前

9分钟

Ep15. Build Wealth and Lose Weight: Change Your Routine

What if the secret to transforming your body, your wealth, and your entire life isn’t just about willpower—but a total lifestyle overhaul? Imagine waking up in a new home, surrounded by people who lift you higher, eating foods that energize you, and moving through your day with purpose and confidence. In this episode of Women Smart, host Augustina reveals why real, lasting change—whether it’s building wealth or shedding pounds—demands a fundamental shift in every aspect of your daily routine. Discover the practical, psychology-backed strategies that successful people use to reinvent themselves from the inside out. Ready to break free from old habits and finally become the person you aspire to be? Dive in now and unlock the blueprint for a life you love00:08Introduction00:43Transformation Analogy01:27Weight Loss Parallels02:16Reverse Approach03:16Holistic Change Needed04:32Framework for Change04:52Practical Tips06:52Environment Matters08:14Flywheel Effect10:12Wealthy Lifestyle Habits13:24Call to Action————————————————————"Be Money Smart" is a daily podcast that introduces how to smartly earn wealth and understand its underlying principles. It covers the "philosophy, methods, techniques, and tools" for acquiring material wealth, spiritual wealth, and health body and mind. We hope to help everyone establish healthy and positive wealth concepts, making it easier to achieve life's financial goals. We wish all our listeners early achievement of financial freedom!. For business collaboration, please contact: augustia0816@gmail.com

6个月前

14分钟

Ep14. Beat the 35 Year Career Trap

Imagine hitting 35 and suddenly becoming "unemployable." In China, this nightmare is so real that metro stations near tech giants are flooded with ads promising to cure "35-year-old anxiety." From today's episode, you will learn the exact formula to rewrite your story before time runs out. This isn't just career advice – it's a survival guide for the modern economy.00:09Introduction and Definition01:44The Anxiety Around Age 3502:07Career Expectations and Reality04:30Physical and Industry Limitations08:30Economic Reality and Solutions11:50Breaking the Trap————————————————————"Be Money Smart" is a daily podcast that introduces how to smartly earn wealth and understand its underlying principles. It covers the "philosophy, methods, techniques, and tools" for acquiring material wealth, spiritual wealth, and health body and mind. We hope to help everyone establish healthy and positive wealth concepts, making it easier to achieve life's financial goals. We wish all our listeners early achievement of financial freedom!. For business collaboration, please contact: augustia0816@gmail.com

6个月前

13分钟

Ep13. Value for Money: Why Quality Always Wins

Are you tired of settling for cheap products that never last, or feeling overwhelmed by endless choices that promise more but deliver less? Discover the real secret behind "value for money" in today’s fast-changing world. This episode dives into the powerful shift from bargain hunting to investing in true quality—revealing how smart consumers and forward-thinking businesses are redefining what it means to get the best for your buck. 00:09Introduction to "value for money" concept00:22Personal anecdote on comparison shopping and decision-making01:32Explanation of value for money vs. cost effectiveness01:53Shift in consumer priorities toward quality02:29Changing attitudes across generations post-pandemic03:43The value of high quality and craftsmanship; family example04:40The importance of craftsmanship and quality in products/work05:24Implications for industry, national development, and competition06:13Reflection and call to action for personal and professional quality07:01Engagement request and closing remarks07:30Final thoughts on investing in quality and value————————————————————"Be Money Smart" is a daily podcast that introduces how to smartly earn wealth and understand its underlying principles. It covers the "philosophy, methods, techniques, and tools" for acquiring material wealth, spiritual wealth, and health body and mind. We hope to help everyone establish healthy and positive wealth concepts, making it easier to achieve life's financial goals. We wish all our listeners early achievement of financial freedom!. For business collaboration, please contact: augustia0816@gmail.com

6个月前

8分钟

Ep12. The Real Cost of Overwork: Lessons for High Achievers

Are you chasing career success at the expense of your health and happiness? In this powerful episode of "Being Money Smart," Augustia shares a deeply personal reflection sparked by the sudden loss of a renowned AI professor, reminding us that even the brightest minds aren't immune to burnout. Through heartfelt stories and practical wisdom, you'll discover why working smarter—not just harder—matters, and how prioritizing your health and relationships is the real key to lasting success.00:09Introduction: Career vs. life importance00:23Tang Xiaowu's passing and the cost of high-pressure careers01:22The pressures of high achievement and sudden loss02:04Personal anecdote: stress effects in youth02:36Life priorities: rest, health, and human limits03:22Embracing AI and adapting to change04:12Working smarter, not harder; results over effort04:30Health and relationships over career ambition05:53Personal philosophy: health, love, and self-care07:14Importance of emotional intelligence and relationships07:58Closing remarks and call to action————————————————————"Be Money Smart" is a daily podcast that introduces how to smartly earn wealth and understand its underlying principles. It covers the "philosophy, methods, techniques, and tools" for acquiring material wealth, spiritual wealth, and health body and mind. We hope to help everyone establish healthy and positive wealth concepts, making it easier to achieve life's financial goals. We wish all our listeners early achievement of financial freedom!. For business collaboration, please contact: augustia0816@gmail.com

6个月前

8分钟

Ep11. Think Like Boss, Not Employee

What if everything you've been taught about success and work has been backwards? From childhood, we're conditioned to follow instructions, wait for permission, and let others make the big decisions—trapping us in an employee mindset where we earn fixed salaries and leftover resources while others write their own rules and earn "boss money." Here's the game-changing question that will transform your perspective: Are you your boss's employee, or is your boss actually working for you? This isn't about positive thinking—it's about recognizing that you are the CEO of your own life, and everyone else—teachers, parents, bosses, managers—are just consultants helping you reach your goals.【时间轴】00:08-00:29Opening Concept00:29-01:31The Conditioning Problem01:44-02:45Employee Mindset Limitations02:45-03:31The Solution: Proactive Thinking03:31-05:30Academic Excellence Example05:30-05:44CEO Mindset Shift05:44-06:39Goal Setting and Resource Management06:39-07:16Action-Oriented Planning07:16-08:37Rethinking Job Security08:37-10:10Taking Control————————————————————"Be Money Smart" is a daily podcast that introduces how to smartly earn wealth and understand its underlying principles. It covers the "philosophy, methods, techniques, and tools" for acquiring material wealth, spiritual wealth, and health body and mind. We hope to help everyone establish healthy and positive wealth concepts, making it easier to achieve life's financial goals. We wish all our listeners early achievement of financial freedom!. For business collaboration, please contact: augustia0816@gmail.com

6个月前

10分钟

Ep10. Master the Art of Reverse Thinking

Are you ready to unlock a hidden advantage that can transform the way you study, work, and win at life? Discover the secret weapon of “reverse thinking”—a powerful mindset inspired by legendary investor Charlie Munger. In this episode, you’ll learn how flipping your perspective can help you outsmart exams, ace interviews, and seize opportunities others overlook. With real-world examples and actionable tips, this guide shows you how to anticipate pitfalls, prepare like a pro, and turn setbacks into stepping stones for success.00:08Introduction to reverse thinking01:00Reverse thinking in exam preparation02:40Charlie Munger’s weather forecast example04:00Application to business and job interviews05:35Importance of learning from failure and practicing scenarios06:32Test-taking strategies and logistics07:33Advanced mental simulation for preparation08:54Difference between reverse thinking and critical thinking10:00Conclusion————————————————————"Be Money Smart" is a daily podcast that introduces how to smartly earn wealth and understand its underlying principles. It covers the "philosophy, methods, techniques, and tools" for acquiring material wealth, spiritual wealth, and health body and mind. We hope to help everyone establish healthy and positive wealth concepts, making it easier to achieve life's financial goals. We wish all our listeners early achievement of financial freedom!. For business collaboration, please contact: augustia0816@gmail.com

6个月前

11分钟

Ep9. Study Smarter, Earn Faster

Are you ready to unlock the real secrets behind turning your education into lasting wealth? Most of us grew up believing that acing exams and getting into college would set us up for life—but what if the true journey to financial freedom only begins after the classroom? In this episode, Augustia dives deep into how studying, earning professional certificates, and mastering time management can fast-track your path to prosperity. Discover why reading beyond textbooks, building meaningful relationships, and cultivating a growth mindset are just as crucial as any diploma. Packed with personal stories and actionable tips, this episode will challenge the essentials you thought you knew about success.00:08–01:20Introduction: Exams, college, and the promise of wealth01:20–02:14The need for early financial education02:14–04:06Career choices, certificates, and online learning04:06–04:49Efficiency, innovation, and management skills04:49–05:11Tip 1: Pursue professional certificates05:11–05:43Tip 2: Read more books for broader thinking06:12–06:27Tip 3: Manage time, cut distractions06:27–07:47Personal stories: Family, networking, and value of learning07:47–08:09Wealth includes emotional and social aspects08:09–08:40Mindset: Continuous learning and opportunity recognition08:40–09:07Conclusion and encouragement to keep learning————————————————————"Be Money Smart" is a daily podcast that introduces how to smartly earn wealth and understand its underlying principles. It covers the "philosophy, methods, techniques, and tools" for acquiring material wealth, spiritual wealth, and health body and mind. We hope to help everyone establish healthy and positive wealth concepts, making it easier to achieve life's financial goals. We wish all our listeners early achievement of financial freedom!. For business collaboration, please contact: augustia0816@gmail.com

6个月前

9分钟

Ep8. Minimalist Lifestyle: The Secret to Saving Money

Ready to stop wasting money on things you don’t need? Discover how minimalism can help you save more, own less, and enjoy life’s best. Augustia shares real stories and practical tips on buying smarter, choosing quality over quantity, and using the secondhand market to your advantage. Click to learn how a simpler wardrobe and lifestyle can free up your time, boost your confidence, and help you invest in what truly matters—right to the very end!00:08Introduction to minimalism and saving money01:25Example of a minimalist boss and her wardrobe02:44Personal story about a long-lasting trench coat03:30Learning what suits you through trial and error04:09Selective shopping and prioritizing quality over quantity07:04Using secondhand markets and continuous self-renewal08:09The benefits of owning fewer, better items and self-investment————————————————————"Be Money Smart" is a daily podcast that introduces how to smartly earn wealth and understand its underlying principles. It covers the "philosophy, methods, techniques, and tools" for acquiring material wealth, spiritual wealth, and health body and mind. We hope to help everyone establish healthy and positive wealth concepts, making it easier to achieve life's financial goals. We wish all our listeners early achievement of financial freedom!. For business collaboration, please contact: augustia0816@gmail.com

6个月前

9分钟

Ep7. How to Make Money in a Saturated Market

Drowning in choices and fierce competition? Discover how to rise above the noise and win in today’s saturated market. From Apple’s secret to brand loyalty to strategies for standing out—this episode reveals the keys to becoming an industry leader. Ready to break free from the crowd? Click to unlock the blueprint for lasting success!00:09 – Introduction to Market Saturation01:22 – The Challenge for Sellers: Red Ocean Competition01:53 – Competition Beyond Products02:30 – Case Study: Apple vs. Local Brands03:32 – Brand Identity and Market Position04:13 – The Importance of Differentiation05:29 – Efficiency and Continuous Improvement06:09 – Conclusion and Call to Action————————————————————"Be Money Smart" is a daily podcast that introduces how to smartly earn wealth and understand its underlying principles. It covers the "philosophy, methods, techniques, and tools" for acquiring material wealth, spiritual wealth, and health body and mind. We hope to help everyone establish healthy and positive wealth concepts, making it easier to achieve life's financial goals. We wish all our listeners early achievement of financial freedom!. For business collaboration, please contact: augustia0816@gmail.com

7个月前

6分钟

Ep6. Secure and High Paying Jobs in China 2025

Curious which jobs in China still pay well and offer real stability? This episode reveals the truth behind huge salary gaps, highlights why programming, law, and business lecturing remain top choices, and shares practical tips for building a resilient career. Don’t miss these insider insights—click to discover which paths can keep your income steady and your future secure.00:09 – Introduction and Salary Gap Observation02:13 – Programmers: High Pay and Stability04:14 – Legal Professions: Specialized and Stable06:57 – Business Lecturers: Teaching and Consulting08:05 – Entrepreneurship and Caution08:38 – Conclusion————————————————————"Be Money Smart" is a daily podcast that introduces how to smartly earn wealth and understand its underlying principles. It covers the "philosophy, methods, techniques, and tools" for acquiring material wealth, spiritual wealth, and health body and mind. We hope to help everyone establish healthy and positive wealth concepts, making it easier to achieve life's financial goals. We wish all our listeners early achievement of financial freedom!. For business collaboration, please contact: augustia0816@gmail.com

7个月前

9分钟

Ep5. How to Save $5,000 or more? Fast & Easy Steps

Saving money seems harder than ever, but what if you could actually reach your goals—even if you’re not naturally frugal? Discover simple, proven strategies to save $5,000 or more in just a year or two, while still enjoying life and preparing for the unexpected. Ready to transform your finances? Keep listening to find out how small changes can make a big difference.00:08–00:55 Introduction to Saving Challenges00:55–02:02 Setting Clear and Ambitious Savings Goals02:02–03:11 Practical Saving Methods03:11–03:23 Pay Yourself First03:23–05:19 Changing Habits and Managing Unexpected Expenses05:19–05:46 Conclusion and Call to Action————————————————————"Be Money Smart" is a daily podcast that introduces how to smartly earn wealth and understand its underlying principles. It covers the "philosophy, methods, techniques, and tools" for acquiring material wealth, spiritual wealth, and health body and mind. We hope to help everyone establish healthy and positive wealth concepts, making it easier to achieve life's financial goals. We wish all our listeners early achievement of financial freedom!. For business collaboration, please contact: augustia0816@gmail.com

7个月前

6分钟

Ep4. MBTI Career Guide: Find Your Best Fit

Curious if your personality type could reveal your ideal career path—and even your earning potential? In a world obsessed with grades and test scores, tools like the MBTI personality test offer a fresh way to discover your strengths and passions. But are these tests just fun quizzes, or do they hold real value for your future? Find out how self-awareness and flexibility can unlock your potential, and why your personality test results are just the beginning—not the end—of your journey. Click to uncover how understanding yourself can lead to both fulfillment and financial success!00:08–00:23Introduction to the topic: using personality tests (MBTI) for career guidance.00:23–00:49MBTI is one way to classify personalities; other systems (horoscopes, Chinese astrology, animal-based tests) exist and are not necessarily superficial.00:49–01:29These tests help people, especially those new to the workforce, get to know themselves better.01:29–02:18East Asian education systems focus heavily on grades before college, limiting self-exploration; this is also true to a degree in Western systems.02:18–03:45Understanding oneself is difficult and ongoing; MBTI is a useful, non-hierarchical tool for self-awareness.03:45–04:23Personality tests can help avoid unsuitable jobs, but you can still try new things and surprise yourself.04:23–05:49Personality is not fixed; it changes over time and with experience. Test results are just a snapshot.05:49–06:45MBTI can hint at suitable careers, but should not be used rigidly; for example, ESFPs may be good at public speaking or sales.06:45–07:58Positive feedback from others and oneself helps identify strengths. Different personalities suit different careers—there is no "best" career for everyone.07:58–08:13The episode will continue with topics on saving and managing money.08:13–09:06MBTI is just a reference. Self-awareness and flexibility are key. Personality and career preferences can change over time.09:06–09:28Conclusion: Nothing is set in stone; be open to change and new opportunities.————————————————————"Be Money Smart" is a daily podcast that introduces how to smartly earn wealth and understand its underlying principles. It covers the "philosophy, methods, techniques, and tools" for acquiring material wealth, spiritual wealth, and health body and mind. We hope to help everyone establish healthy and positive wealth concepts, making it easier to achieve life's financial goals. We wish all our listeners early achievement of financial freedom!. For business collaboration, please contact: augustia0816@gmail.com

7个月前

9分钟

Ep3. Cash Saving: Learn From Past Gens

In a rapidly evolving financial landscape, one compelling question emerges: Should we save money the way our parents and grandparents did? From meeting a Northeast Chinese family living on radish and cabbage while sitting on 8 million yuan in cash stored in basic bank accounts, to understanding why some people can resist every bank's investment pitch while others struggle with impulse spending, this deep dive uncovers the hidden psychology behind generational money wisdom.00:09: Introduction to generational money philosophy differences01:22: Historical context of planned economy and coupon-based purchasing03:28: Northeast China family case study with 8 million yuan in cash04:52: Post-COVID shift in younger generation saving attitudes05:51: Personal saving strategies and bank product resistance————————————————————"Be Money Smart" is a daily podcast that introduces how to smartly earn wealth and understand its underlying principles. It covers the "philosophy, methods, techniques, and tools" for acquiring material wealth, spiritual wealth, and health body and mind. We hope to help everyone establish healthy and positive wealth concepts, making it easier to achieve life's financial goals. We wish all our listeners early achievement of financial freedom! For business collaboration, please contact: augustia0816@gmail.com

7个月前

8分钟

Ep2. Secret Formula That Makes People Succeed at Everything

Have you ever wondered why certain individuals seem to effortlessly excel at everything they attempt? While you're struggling with work projects, learning new skills, or building wealth, they appear to glide through life with an almost magical ability to turn every endeavor into success. What if I told you there's actually a systematic approach behind this seemingly supernatural talent? Discover why the top performers across all fields share this common thinking pattern, and learn how to apply it immediately to see dramatic improvements in your own results.00:08-01:27: Introduction01:27-01:55: Step 1 - Developing the right mindset01:55-02:14: Step 2 - Breaking down tasks systematically02:14-02:42: Step 3 - Handling uncertainty and relationships02:42-03:37: Setting boundaries and avoiding manipulation04:35-05:11: Using algorithms to your advantage05:36-06:23: Learning from high-achieving students06:58-07:33: Adapting to unfamiliar environments and breaking through limitations————————————————————"Be Money Smart" is a daily podcast that introduces how to smartly earn wealth and understand its underlying principles. It covers the "philosophy, methods, techniques, and tools" for acquiring material wealth, spiritual wealth, and health body and mind. We hope to help everyone establish healthy and positive wealth concepts, making it easier to achieve life's financial goals. We wish all our listeners early achievement of financial freedom! For business collaboration, please contact: augustia0816@gmail.com

7个月前

8分钟

Ep1. Stop Apologizing for Loving Money

Are you secretly passionate about money but afraid to admit it? This eye-opening episode of "Be Money Smart" with host Augustia reveals why your shame around discussing wealth is sabotaging your earning potential - from salary negotiations to breaking free from "stable job" traps that keep your income stagnant. The most powerful insight? Your relationship with money mirrors how you pursue everything else you love, and if you're not actively demonstrating that love through concrete actions, you're unconsciously repelling the wealth you desire. Ready to stop apologizing for your financial ambitions and finally align your actions with your true goals?00:55 - 01:13 Cultural Barriers to Money Discussions01:13 - 03:55 Overcoming Professional Money Taboos03:55 - 05:28 Breaking Free from Limiting Career Paths05:28 - 06:18 Challenges in Traditional Work Environments06:54 - 09:00 Demonstrating Love for Money Through Action09:00 - 10:18 Embracing Open Money Conversations————————————————————"Be Money Smart" is a daily podcast that introduces how to smartly earn wealth and understand its underlying principles. It covers the "philosophy, methods, techniques, and tools" for acquiring material wealth, spiritual wealth, and health body and mind. We hope to help everyone establish healthy and positive wealth concepts, making it easier to achieve life's financial goals. We wish all our listeners early achievement of financial freedom! For business collaboration, please contact: augustia0816@gmail.com

7个月前

8分钟