Let's get honest about our money problems | Tammy Lally

161,356 views ใƒป 2018-09-21

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ูŠุฑุฌู‰ ุงู„ู†ู‚ุฑ ู†ู‚ุฑู‹ุง ู…ุฒุฏูˆุฌู‹ุง ููˆู‚ ุงู„ุชุฑุฌู…ุฉ ุงู„ุฅู†ุฌู„ูŠุฒูŠุฉ ุฃุฏู†ุงู‡ ู„ุชุดุบูŠู„ ุงู„ููŠุฏูŠูˆ.

ุงู„ู…ุชุฑุฌู…: Aisha Abdulrazzak ุงู„ู…ุฏู‚ู‘ู‚: Fatima Zahra El Hafa
00:12
Have you every had to break your family's rules?
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ู‡ู„ ูƒุงู† ุนู„ูŠูƒ ูƒุณุฑ ู‚ูŠูˆุฏ ุนุงุฆู„ุชูƒุŸ
00:16
Today, I'm breaking mine,
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ุงู„ูŠูˆู…ุŒ ุณุฃูƒุณุฑ ู‚ูŠูˆุฏูŠุŒ
00:18
around money, secrecy and shame.
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ุญูˆู„ ุงู„ู…ุงู„ ูˆุงู„ุชูƒุชู… ูˆุงู„ุฎุฌู„.
00:23
In 2006, on my brother Keith's 40th birthday, he called.
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ููŠ ุนุงู… 2006ุŒ ุงุชุตู„ ุจูŠ ุฃุฎูŠ ูƒูŠุซ ููŠ ุนูŠุฏ ู…ูŠู„ุงุฏู‡ ุงู„ุฃุฑุจุนูŠู†.
00:29
"Tam, I'm in dire straits.
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"ุชุงู…ุŒ ุฃู†ุง ููŠ ุญุงู„ุฉ ูŠุฑุซู‰ ู„ู‡ุง.
00:32
I wouldn't ask unless I had to.
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ูˆู„ู† ุฃุทู„ุจ ู…ุง ู„ู… ุฃุถุทุฑ ู„ุฐู„ูƒ.
00:36
Can I borrow 7,500 dollars?"
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ู‡ู„ ูŠู…ูƒู†ู†ูŠ ุงู‚ุชุฑุงุถ 500 7 ุฏูˆู„ุงุฑุŸ"
00:40
This wasn't the first time he needed quick cash,
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ู„ู… ุชูƒู† ู‡ุฐู‡ ุงู„ู…ุฑุฉ ุงู„ุฃูˆู„ู‰ ุงู„ุชูŠ ูŠุญุชุงุฌ ููŠู‡ุง ู„ู…ุจู„ุบ ู†ู‚ุฏูŠ ุณุฑูŠุนุŒ
00:43
but this time, his voice frightened me.
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ูˆู„ูƒู† ู‡ุฐู‡ ุงู„ู…ุฑุฉุŒ ุฃุฑุนุจู†ูŠ ุตูˆุชู‡.
00:47
I had never heard him so beaten down and shameful,
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ู„ู… ุฃุณู…ุนู‡ ู‚ุท ูŠุชุญุฏุซ ูˆู‡ูˆ ู…ุทุฑู‚ ุงู„ุฑุฃุณ ูˆุฎูŽุฌูู„ุŒ
00:54
and it was on his 40th birthday.
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ูˆูƒุงู† ููŠ ู…ูŠู„ุงุฏู‡ ุงู„ุฃุฑุจุนูŠู†.
01:01
After a few basic questions that we would all ask,
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ูˆุจุนุฏ ุจุนุถ ุงู„ุฃุณุฆู„ุฉ ุงู„ุฃุณุงุณูŠุฉ ุงู„ุชูŠ ู†ุทุฑุญู‡ุง ุฌู…ูŠุนู‹ุงุŒ
01:05
I agreed to loan him the money, but under one condition:
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ูˆุงูู‚ุช ุฅู‚ุฑุงุถู‡ ุงู„ู…ุงู„ุŒ ูˆู„ูƒู† ุจุดุฑุท ูˆุงุญุฏ:
01:10
that as the financial professional in the family,
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ูˆุจู…ุง ุฃู†ู†ูŠ ุงู„ุฎุจูŠุฑุฉ ุงู„ู…ุงู„ูŠุฉ ููŠ ุงู„ุนุงุฆู„ุฉุŒ
01:12
I wanted to meet with him and his wife
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ุฃุฑุฏุช ุฃู† ุฃู‚ุงุจู„ู‡ ู‡ูˆ ูˆุฒูˆุฌุชู‡
01:14
to see what was really happening.
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ู„ู…ุนุฑูุฉ ู…ุง ูŠุญุฏุซ ุจุงู„ูุนู„.
01:17
Weeks later, we met at the local Starbucks,
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ูˆุจุนุฏ ุฃุณุงุจูŠุนุŒ ุงู„ุชู‚ูŠู†ุง ููŠ ู…ู‚ู‡ู‰ ุณุชุงุฑุจูƒุณุŒ
01:21
and I started right in with the tough-love budget conversation.
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ูˆุจุฏุฃุช ู…ุจุงุดุฑุฉู‹ ุงู„ุญุฏูŠุซ ุนู† ูˆุถุน ุงู„ู…ูŠุฒุงู†ูŠุฉ ุจุดูƒู„ ุตุงุฑู… ูˆู…ุญุจ.
01:26
"You should sell the house, downsize to something you can afford,
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"ูŠุฌุจ ุนู„ูŠูƒู… ุจูŠุน ุงู„ู…ู†ุฒู„ุŒ ูˆุชู‚ู„ูŠุต ุญุฌู…ู‡ ู„ุดูŠุก ุชุณุชุทูŠุนูˆู† ุชุญู…ู„ู‡ุŒ
01:30
sell the toys.
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ูˆุจูŠุน ุงู„ุฃู„ุนุงุจ.
01:32
And Starbucks?
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ูˆุณุชุงุฑุจูƒุณุŸ
01:34
Give up the five-dollar-a-day coffee."
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ูŠุฌุจ ุงู„ุชุฎู„ูŠ ุนู† ุงุญุชุณุงุก ุงู„ู‚ู‡ูˆุฉ ุฐุงุช ุงู„ุฎู…ุณ ุฏูˆู„ุงุฑุช ููŠ ุงู„ูŠูˆู…."
01:37
You know, all the trappings that we do to keep up with the Joneses.
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ูƒู…ุง ุชุนู„ู…ูˆู†ุŒ ุฌู…ูŠุน ุงู„ุฃุดูŠุงุก ุบูŠุฑ ุงู„ู…ู‡ู…ุฉ ุงู„ุชูŠ ู†ู‚ูˆู… ุจู‡ุง ู„ู…ูˆุงูƒุจุฉ ุงู„ุขุฎุฑูŠู† ููŠ ุบู†ุงู‡ู….
01:42
Quickly, my brother and his wife went into a fearsome blame game,
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ูˆุจุดูƒู„ ุณุฑูŠุนุŒ ุงู†ุชุงุจ ุฃุฎูŠ ูˆุฒูˆุฌุชู‡ ุงู„ุฎูˆู ูˆุงู„ู†ุฏู…ุŒ
01:47
and it got messy.
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ูˆุญุตู„ุช ุงู„ููˆุถู‰.
01:49
I vacillated between therapist and pissed-off sister.
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ูˆูƒู†ุช ุฃุชุฑุฏุฏ ู…ุง ุจูŠู† ุงู„ู…ุนุงู„ูุฌุฉ ูˆุงู„ุฃุฎุช ุงู„ู…ู†ุฒุนุฌุฉ.
01:56
I wanted them to be better than this.
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ุฃุฑุฏุชู‡ู… ุฃู† ูŠูƒูˆู†ูˆุง ุฃูุถู„ ู…ู† ู‡ุฐุง.
01:58
"Come on, you two. Get your shit together.
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ู‡ูŠุงุŒ ุฃู†ุชู…ุง ุงู„ุงุซู†ุงู†. ู†ุธู…ุง ุญูŠุงุชูƒู…ุง.
02:02
You're parents.
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ุฃู†ุชู…ุง ูˆุงู„ุฏุงู†.
02:03
Grow up and buck up."
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ุงู†ุถุฌุง ูˆุงุฑูุนุง ู…ุนู†ูˆูŠุงุชูƒู…ุง."
02:08
After we left, I called my mom,
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ูˆุจุนุฏ ุฃู† ุบุงุฏุฑู†ุงุŒ ุงุชุตู„ุช ุจุฃู…ูŠุŒ
02:12
but Keith beat me to it,
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ูˆู„ูƒู† ูƒูŠุซ ุณุจู‚ู†ูŠุŒ
02:14
and he told her that I wasn't helpful.
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ูˆุฃุฎุจุฑู‡ุง ุฃู†ูŠ ู„ู… ุฃูƒู† ู…ุชุนุงูˆู†ุฉ.
02:17
In fact, he was hurt and felt ganged-up on.
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ููŠ ุงู„ุญู‚ูŠู‚ุฉุŒ ู„ู‚ุฏ ุดุนุฑ ุจุฃู†ู‡ ุฌูุฑุญ ูˆุฃู†ู‡ ุชู… ุงู„ุชุนุงูˆู† ุถุฏู‡.
02:24
Of course he did. I shamed him with my tough-love budget conversation.
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ู„ุฃู†ูŠ ุฃุฎุฌู„ุชู‡ ุจุญุฏูŠุซูŠ ุงู„ุตุงุฑู… ุงู„ู…ุญุจ ุนู† ูˆุถุน ุงู„ู…ูŠุฒุงู†ูŠุฉ.
02:33
Two months went by when I received a call.
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ู…ุฑู‘ ุดู‡ุฑุงู† ุนู†ุฏู…ุง ุชู„ู‚ูŠุช ู…ูƒุงู„ู…ุฉ.
02:36
"Tam? I have bad news.
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"ุชุงู…ุŸ ู„ุฏูŠ ุฃุฎุจุงุฑ ุณูŠุฆุฉ.
02:40
Keith committed suicide last night."
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ุงู†ุชุญุฑ ูƒูŠุซ ุงู„ู„ูŠู„ุฉ ุงู„ู…ุงุถูŠุฉ."
02:47
Days later, at his home, I went looking for answers,
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ุจุนุฏ ุฃูŠุงู…ุŒ ุฐู‡ุจุช ุฅู„ู‰ ู…ู†ุฒู„ู‡ ู„ู„ุญุตูˆู„ ุนู„ู‰ ุฃุฌูˆุจุฉุŒ
02:52
in his "office" -- the garage.
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ููŠ "ู…ูƒุชุจู‡"... ุงู„ูƒุฑุงุฌ.
02:56
There, I found a stack of overdue credit card bills
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ู‡ู†ุงูƒุŒ ูˆุฌุฏุช ูƒูˆู…ุฉ ู…ู† ููˆุงุชูŠุฑ ุจุทุงู‚ุฉ ุงู„ุงุฆุชู…ุงู† ู…ุชุฃุฎุฑุฉ ุงู„ุฏูุน
03:00
and a foreclosure notice served to him on the day that he died.
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ูˆุฅู†ุฐุงุฑ ุจุญุจุณ ุงู„ุฑู‡ู† ูƒุงู† ู‚ุฏ ุชูˆุตู„ ุจู‡ ููŠ ุงู„ูŠูˆู… ุงู„ุฐูŠ ุชูˆููŠ ููŠู‡.
03:24
My brother left behind his beautiful 10-year-old daughter,
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ุชุฑูƒ ุฃุฎูŠ ุฎู„ูู‡ ุทูู„ุชู‡ ุงู„ุฌู…ูŠู„ุฉ ุฐุงุช ุงู„ุนุดุฑุฉ ุฃุนูˆุงู…ุŒ
03:29
his brilliant 18-year-old son, weeks before his high school graduation,
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ูˆุงุจู†ู‡ ุงู„ุฐูƒูŠ ุงู„ุจุงู„ุบ ู…ู† ุงู„ุนู…ุฑ 18 ุนุงู…ู‹ุงุŒ ู‚ุจู„ ุฃุณุงุจูŠุน ู…ู† ุชุฎุฑุฌู‡ ู…ู† ุงู„ุซุงู†ูˆูŠุฉุŒ
03:34
and his wife of 20 years.
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ูˆุฒูˆุฌุชู‡ ู…ู†ุฐ 20 ุนุงู…ู‹ุง.
03:38
How did this happen?
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ูƒูŠู ุญุฏุซ ู‡ุฐุงุŸ
03:42
My brother was caught in our family's money-shame cycle,
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ู‚ุจุถ ุนู„ู‰ ุฃุฎูŠ ููŠ ุฏูˆุฑุฉ ุงู„ุฎุฌู„ ุงู„ู…ุงู„ูŠุฉ ู„ุนุงุฆู„ุชู†ุง
03:46
and he was far from alone in this.
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ูˆู„ู… ูŠูƒู† ู„ูˆุญุฏู‡ ููŠ ู‡ุฐุง.
03:50
Suicide rates among adults ages 40 to 64
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ุฅู† ู…ุนุฏู„ุงุช ุงู„ุงู†ุชุญุงุฑ ุจูŠู† ุงู„ุจุงู„ุบูŠู† ุงู„ุฐูŠู† ุชุชุฑุงูˆุญ ุฃุนู…ุงุฑู‡ู… ุจูŠู† 40 ูˆ64 ุนุงู…ู‹ุง
03:55
have risen nearly 40 percent since 1999.
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ุงุฑุชูุนุช ุญูˆุงู„ูŠ 40% ู…ู†ุฐ ุนุงู… 1999.
04:00
Job loss, bankruptcy and foreclosures
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ุฎุณุงุฑุฉ ุงู„ูˆุธูŠูุฉ ูˆุงู„ุฅูู„ุงุณ ูˆุญุจุณ ุงู„ุฑู‡ู†
04:03
were present in nearly 40 percent of the deaths,
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ู„ู‡ู… ุฏูˆุฑ ููŠ ุญูˆุงู„ูŠ 40% ู…ู† ุงู„ูˆููŠุงุชุŒ
04:06
with white middle-aged men accounting for seven out of 10 suicides.
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ูˆูƒุงู† ุงู„ุฑุฌุงู„ ุงู„ุจูŠุถ ููŠ ู…ู†ุชุตู ุงู„ุนู…ุฑ ูŠู…ุซู„ูˆู† ุณุจุน ุญุงู„ุงุช ุงู†ุชุญุงุฑ ู…ู† ุฃุตู„ 10 ุญุงู„ุงุช.
04:13
What I've learned
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ู…ุง ุชุนู…ู„ุชู‡
04:16
is that our self-destructive and self-defeating financial behaviors
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ู‡ูˆ ุฃู† ุณู„ูˆูƒูŠุงุชู†ุง ููŠ ุงู„ุชุฏู…ูŠุฑ ุงู„ุฐุงุชูŠ ูˆุงู„ู‡ุฒูŠู…ุฉ ุงู„ู…ุงู„ูŠุฉ
04:22
are not driven by our rational, logical minds.
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ู„ุง ุชู‚ูˆุฏู‡ุง ุนู‚ูˆู„ู†ุง ุงู„ุนู‚ู„ูŠุฉ ูˆุงู„ู…ู†ุทู‚ูŠุฉ.
04:27
Instead, they are a product of our subconscious belief systems
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ุจู„ ู‡ู… ู†ุชุงุฌ ู†ูุธู… ุนู‚ุงุฆุฏูŠุฉ ู„ุงูˆุงุนูŠุฉ
04:33
rooted in our childhoods
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ู…ุชุฌุฐุฑุฉ ููŠ ุทููˆู„ุชู†ุง
04:35
and so deeply ingrained in us,
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ูˆู…ุชุฃุตู„ุฉ ุจุนู…ู‚ ุฏุงุฎู„ู†ุงุŒ
04:38
they shape the way that we deal with money our entire adult lives,
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ูˆุชู„ูƒ ุงู„ู†ุธู… ุชูุญุฏุฏ ุงู„ุทุฑูŠู‚ุฉ ุงู„ุชูŠ ู†ุชุนุงู…ู„ ุจู‡ุง ูƒุจุงู„ุบูŠู† ู…ุน ุงู„ู…ุงู„ ุทูˆุงู„ ุญูŠุงุชู†ุงุŒ
04:43
and so many of you are left believing that you're lazy,
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ูˆูŠุชุฑุจู‰ ุงู„ูƒุซูŠุฑูˆู† ู…ู†ูƒู… ุนู„ู‰ ุงู„ุงุนุชู‚ุงุฏ ุจุฃู†ูƒู… ูƒุณุงู„ู‰ุŒ
04:49
crazy or stupid -- or just bad with money.
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ุฃูˆ ู…ุฌุงู†ูŠู† ุฃูˆ ุฃุบุจูŠุงุก... ุฃูˆ ูู‚ุท ุณูŠุฆูŠ ุงู„ุชุนุงู…ู„ ู…ุน ุงู„ู…ุงู„.
04:55
This is what I call money shame.
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ู‡ุฐู‡ ู…ุง ุฃุณู…ูŠู‡ ุฎุฌู„ ุงู„ู…ุงู„.
04:59
Dr. Brenรฉ Brown, a well-known shame researcher,
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ุฏ. ุจุฑูŠู†ูŠ ุจุฑุงูˆู†ุŒ ุจุงุญุซ ุฎูŽุฌูŽู„ ู…ุนุฑูˆูุŒ
05:02
defines shame as "the intensely painful feeling or experience
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ูŠุนุฑู‘ู ุงู„ุฎุฒูŠ ุจ"ุงู„ุดุนูˆุฑ ุงู„ุดุฏูŠุฏ ุจุงู„ุฃู„ู…
05:09
of believing that we are flawed,
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ุฃูˆ ุงู„ุงุนุชู‚ุงุฏ ุจุฃู† ููŠู†ุง ู†ู‚ุตู‹ุง ู…ุงุŒ
05:12
and therefore unworthy of love and belonging."
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ูˆู„ุฐู„ูƒ ูุฅู†ู†ุง ู„ุง ู†ุณุชุญู‚ ุงู„ุญุจ ูˆุงู„ุงู†ุชู…ุงุก."
05:17
Based on this definition, here's how I'm defining money shame:
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ุจู†ุงุกู‹ ุนู„ู‰ ู‡ุฐุง ุงู„ุชุนุฑูŠูุŒ ุฅู„ูŠูƒู… ุชุนุฑูŠููŠ ู„ุฎุฌู„ ุงู„ู…ุงู„:
05:23
"the intensely painful feeling or experience
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"ุงู„ุดุนูˆุฑ ุจุงู„ุฃู„ู… ุงู„ุดุฏูŠุฏ
05:26
of believing that we are flawed,
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ุฃูˆ ุงู„ุงุนุชู‚ุงุฏ ุจุฃู† ููŠู†ุง ู†ู‚ุตู‹ุง ู…ุงุŒ
05:29
and therefore unworthy of love and belonging,
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ูˆุจุงู„ุชุงู„ูŠ ูุฅู†ู†ุง ู„ุง ู†ุณุชุญู‚ ุงู„ุญุจ ูˆุงู„ุงู†ุชู…ุงุกุŒ
05:32
based on our bank account balances,
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ุงุณุชู†ุงุฏู‹ุง ุนู„ู‰ ุฃุฑุตุฏุฉ ุญุณุงุจุงุชู†ุง ุงู„ู…ุตุฑููŠุฉุŒ
05:35
our debts, our homes, our cars
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ูˆุฏูŠูˆู†ู†ุง ูˆู…ู†ุงุฒู„ู†ุง ูˆุณูŠุงุฑุงุชู†ุง
05:40
and our job titles."
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ูˆู…ุณู…ูŠุงุชู†ุง ุงู„ูˆุธูŠููŠุฉ."
05:43
Let me give you a couple of examples of what I mean.
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ุฏุนูˆู†ูŠ ุฃุถุฑุจ ู„ูƒู… ุจุนุถ ุงู„ุฃู…ุซู„ุฉ ุญูˆู„ ู…ุง ุฃู‚ุตุฏู‡ุŒ
05:47
I believe that we all have money shame,
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ุฃุนุชู‚ุฏ ุฃู† ุฌู…ูŠุนู†ุง ู„ุฏูŠู†ุง ุฎุฌู„ ู…ู† ุงู„ู…ุงู„ุŒ
05:50
whether you earn 10,000 dollars a year or 10 million,
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ุณูˆุงุก ุฃูƒุณุจุช 10 ุขู„ุงู ุฏูˆู„ุงุฑ ููŠ ุงู„ุณู†ุฉ ุฃูˆ 10 ู…ู„ุงูŠูŠู†ุŒ
05:54
and it's because we give money all of our power.
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ูˆู‡ุฐุง ู„ุฃู†ู†ุง ู†ุนุทูŠ ุงู„ู…ุงู„ ูƒู„ ู‚ูˆุชู†ุง.
05:59
Here's what it would look like if someone that you love, or you,
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ูˆู‡ุฐุง ู…ุง ุชุจุฏูˆ ุนู„ูŠู‡ ุฃู†ุช ุฃูˆ ุดุฎุต ู…ู…ู† ุชุญุจูˆู†ู‡ู…
06:03
might have money shame.
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ุนู†ุฏู…ุง ูŠูƒูˆู† ู„ุฏูŠูƒู… ุงู„ุฎุฌู„ ู…ู† ุงู„ู…ุงู„.
06:06
They play the big shot, always picking up the check,
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ูู‡ู… ูŠู„ุชู‚ุทูˆู† ุฏุงุฆู…ู‹ุง ุงู„ุดูŠูƒุŒ
06:09
financially rescuing family and friends.
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ูˆูŠู†ู‚ุฐูˆู† ุงู„ุนุงุฆู„ุฉ ูˆุงู„ุฃุตุฏู‚ุงุก ู…ุงู„ูŠู‹ุง.
06:12
They are financially secure,
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ุฅู†ู‡ู… ู…ุคู…ู‘ูŽู†ูˆู† ู…ู† ุงู„ู†ุงุญูŠุฉ ุงู„ู…ุงู„ูŠุฉุŒ
06:14
but they live in a state of chronic not-enoughness.
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ูˆู„ูƒู†ู‡ู… ูŠุนูŠุดูˆู† ููŠ ุญุงู„ุฉ ุฏุงุฆู…ุฉ ู…ู† ุนุฏู… ุงู„ุงูƒุชูุงุก.
06:20
They drive a Mercedes, but their budget really only can afford a Honda.
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ุฅู†ู‡ู… ูŠู‚ูˆุฏูˆู† ุณูŠุงุฑุฉ ู…ุฑุณูŠุฏุณุŒ ูˆู„ูƒู† ู…ูŠุฒุงู†ูŠุชู‡ู… ุจุงู„ูƒุงุฏ ุชูƒููŠ ู„ุดุฑุงุก ู‡ูˆู†ุฏุง.
06:28
And they're looking good at every cost.
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ูˆูŠุณุนูˆู† ู„ูŠุธู‡ุฑูˆุง ุจู…ุธู‡ุฑ ุฌูŠุฏ ู…ู‡ู…ุง ูƒู„ู ุฐู„ูƒ.
06:32
I know that we can break free from the grips of money shame,
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ุฃุนู„ู… ุฃู†ู†ุง ู†ุณุชุทูŠุน ุงู„ุชุญุฑุฑ ู…ู† ู‚ุจุถุฉ ุงู„ุฎุฌู„ ู…ู† ุงู„ู…ุงู„ุŒ
06:36
because I did.
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ู„ุฃู†ูŠ ูุนู„ุช.
06:39
Shortly after my brother's death, the Recession hit.
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ุจุนุฏ ูุชุฑุฉ ู‚ุตูŠุฑุฉ ู…ู† ูˆูุงุฉ ุฃุฎูŠุŒ ุฃุชุช ุงู„ุฃุฒู…ุฉ.
06:43
I lost my business and faced bankruptcy.
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ูู‚ุฏุช ุนู…ู„ูŠ ูˆูˆุงุฌู‡ุช ุงู„ุฅูู„ุงุณ.
06:48
Secretly, I was terrified.
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ููŠ ุงู„ุณุฑุŒ ูƒู†ุชู ู…ุฐุนูˆุฑุฉ.
06:53
I stayed in my home for a year, thinking I did something wrong,
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ู…ูƒุซุช ููŠ ุงู„ู…ู†ุฒู„ ู„ู…ุฏุฉ ุนุงู…ุŒ ุจุงุนุชู‚ุงุฏูŠ ุฃู†ูŠ ุงุฑุชูƒุจุช ุฎุทุฃ ู…ุงุŒ
06:59
told myself, "What did you do? What happened?"
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ู‚ู„ุช ู„ู†ูุณูŠ: "ู…ุงุฐุง ูุนู„ุชูุŸ ู…ุงุฐุง ุญุฏุซุŸ"
07:03
I stayed silent, while all along, I went outside and smiled.
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ุจู‚ูŠุช ุตุงู…ุชุฉ ู„ูุชุฑุฉ ุทูˆูŠู„ุฉุŒ ูƒู†ุช ุฃุฐู‡ุจ ู„ู„ุฎุงุฑุฌ ูˆุฃุจุชุณู….
07:09
Nobody knew.
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ู„ู… ูŠูƒู† ุฃูŠ ุฃุญุฏ ูŠุนู„ู… ุจุฐู„ูƒ.
07:11
That's money shame.
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ุฐู„ูƒ ู‡ูˆ ุงู„ุฎุฌู„ ู…ู† ุงู„ู…ุงู„.
07:14
So what I had to do was let go of the grip that I had
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ู„ุฐุง ู…ุง ูƒุงู† ุนู„ูŠ ูุนู„ู‡ ู‡ูˆ ุงู„ุชุฎู„ูŠ ุนู† ูŠู‚ูŠู†ูŠ
07:20
on knowing all the answers.
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ุจุฃู† ู„ุฏูŠ ูƒู„ ุงู„ุฅุฌุงุจุงุช.
07:22
I was the know-it-all in my family,
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ูู‚ุฏ ูƒู†ุช ุงู„ุนุงุฑูุฉ ุจูƒู„ ุดูŠุก ููŠ ุนุงุฆู„ุชูŠุŒ
07:25
and I had to give up the idea that a new financial plan
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ูˆุงุถุทุฑุฑุช ู„ู„ุชุฎู„ูŠ ุนู† ููƒุฑุฉ ุฃู† ุฎุทุฉ ู…ุงู„ูŠุฉ ุฌุฏูŠุฏุฉ
07:30
was the solution.
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ู‡ูŠ ุงู„ุญู„.
07:33
And so just like everything in my life, for me,
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ูˆูƒูƒู„ ุดูŠุก ููŠ ุญูŠุงุชูŠุŒ
07:38
I was sent a human to help,
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ุฃูุฑุณู„ ุฅู„ูŠ ุดุฎุต ู„ู…ุณุงุนุฏุชูŠุŒ
07:42
and I accepted the help,
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ูˆู‚ุจู„ุช ุชู„ูƒ ุงู„ู…ุณุงุนุฏุฉุŒ
07:46
but I had to do major self-inquiry
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ูˆู„ูƒู† ูƒุงู† ุนู„ูŠ ุงู„ู‚ูŠุงู… ุจุชุญุฑ ุดุฎุตูŠ ูƒุจูŠุฑ
07:49
about my family's money history
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ุญูˆู„ ุงู„ุชุงุฑูŠุฎ ุงู„ู…ุงู„ูŠ ู„ุนุงุฆู„ุชูŠ
07:52
and my money beliefs.
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ูˆู…ุนุชู‚ุฏุงุชูŠ ุงู„ู…ุงู„ูŠุฉ.
07:56
We have to start having this conversation.
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ุนู„ูŠู†ุง ุงู„ุจุฏุก ุจู‡ุฐู‡ ุงู„ู…ุญุงุฏุซุฉ.
08:00
Money can no longer be a taboo topic.
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ู„ู… ูŠุนุฏ ุงู„ู…ุงู„ ู…ูˆุถูˆุนู‹ุง ู…ุญุธูˆุฑู‹ุง.
08:04
We have to get honest with each other that we're suffering with money issues,
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ุนู„ูŠู†ุง ุฃู† ู†ูƒูˆู† ุตุงุฏู‚ูŠู† ู…ุน ุจุนุถู†ุง ุฃู†ู†ุง ู†ุนุงู†ูŠ ู…ู† ู…ุดุงูƒู„ ู…ุงู„ูŠุฉุŒ
08:10
and let's get real -- we have to stop numbing out our pain.
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ูˆุฏุนูˆู†ุง ู†ู‚ูˆู„ ุงู„ุญู‚ูŠู‚ุฉ ... ุนู„ูŠู†ุง ุงู„ุชูˆู‚ู ุนู† ุงู„ุชุฎููŠู ู…ู† ุขู„ุงู…ู†ุง.
08:16
In order to uncover the painful parts
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ู…ู† ุฃุฌู„ ุงู„ูƒุดู ุนู† ุงู„ุฃุฌุฒุงุก ุงู„ู…ุคู„ู…ุฉ
08:19
of your money story and your money history,
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ู…ู† ู‚ุตุตูƒู… ุงู„ู…ุงู„ูŠุฉ ูˆุชุงุฑูŠุฎูƒู… ุงู„ู…ุงู„ูŠุŒ
08:23
you can't be numb.
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ู„ุง ูŠู…ูƒู†ูƒู… ุฃู† ุชูุฎูŽุฏู‘ูŽุฑูˆุง
08:25
We have to let go of our past in order to be free.
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ุนู„ูŠู†ุง ุชุฑูƒ ุงู„ู…ุงุถูŠ ู„ู†ูƒูˆู† ุฃุญุฑุงุฑู‹ุง.
08:32
Letting go of the past happens through surrender,
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ูŠุญุฏุซ ุชุฑูƒ ุงู„ู…ุงุถูŠ ู…ู† ุฎู„ุงู„ ุงู„ุงุณุชุณู„ุงู…
08:36
faith and forgiveness.
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ูˆุงู„ุฅูŠู…ุงู† ูˆุงู„ุชุณุงู…ุญ.
08:39
Debt is the tangible manifestation of not forgiving.
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ุงู„ุฏู‘ูŽูŠู† ู‡ูˆ ุงู„ู…ุธู‡ุฑ ุงู„ุญู‚ูŠู‚ูŠ ู„ุนุฏู… ุงู„ุชุณุงู…ุญ.
08:44
If you have debt, you've not completely forgiven your past,
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ุฅุฐุง ูƒุงู† ู„ุฏูŠูƒ ุฏูŠู†ุŒ ูุฃู†ุช ู„ู… ุชุณุงู…ุญ ู…ุงุถูŠูƒ ูƒู„ูŠู‹ุงุŒ
08:49
so it's our work to forgive ourselves and others
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ุฅู†ู‡ุง ู…ู‡ู…ุชู†ุง ู„ู†ุณุงู…ุญ ุฃู†ูุณู†ุง ูˆุงู„ุขุฎุฑูŠู†
08:52
so that we can live freely.
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ุญุชู‰ ู†ุชู…ูƒู† ู…ู† ุงู„ุนูŠุด ุจุญุฑูŠุฉ.
08:54
Otherwise, our history will continue to repeat.
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ุบูŠุฑ ุฐู„ูƒุŒ ูุฅู† ู…ุงุถูŠู†ุง ุณูŠุณุชู…ุฑ ููŠ ุงู„ุชูƒุฑุงุฑ.
08:59
This is not a quick fix, and I know we all want one,
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ู‡ุฐุง ู„ูŠุณ ุญู„ุง ุณุฑูŠุนุงุŒ ูˆุฃู†ุง ุฃุนู„ู… ุฃู†ู†ุง ุฌู…ูŠุนู†ุง ู†ุฑูŠุฏ ูˆุงุญุฏุงุŒ
09:03
but it's a slow wake-up.
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ูˆู„ูƒู†ู‡ ุงุณุชูŠู‚ุงุธ ุจุทูŠุก.
09:05
This is another level of work.
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ู‡ุฐุง ู…ุณุชูˆู‰ ุขุฎุฑ ู…ู† ุงู„ุนู…ู„.
09:08
We have to go higher to get it,
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ุนู„ูŠู†ุง ุฃู† ู†ุฐู‡ุจ ุฃุนู„ู‰
09:11
to get at it.
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ู„ู„ุญุตูˆู„ ุนู„ูŠู‡.
09:14
So try this: follow your dollars.
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ู„ุฐุง ุฌุฑุจ ู‡ุฐุง: ุงุชุจุน ุฃู…ูˆุงู„ูƒ.
09:17
Your money will show you right away what you value.
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ูˆุณุชุธู‡ูุฑ ู„ูƒ ุฃู…ูˆุงู„ูƒ ููˆุฑู‹ุง ู…ุง ุชูู‚ู‘ุฏุฑ.
09:21
Where's it going?
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ุฃูŠู† ุชุตุฑูู‡ุงุŸ
09:22
And then ask yourself: Do I really value all this stuff?
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ุซู… ุงุณุฃู„ ู†ูุณูƒ: ู‡ู„ ุฃูู‚ุฏุฑ ูƒู„ ู‡ุฐู‡ ุงู„ุฃุดูŠุงุกุŸ
09:27
And get curious about what you're feeling when you're spending.
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ูˆุฃุซูุฑ ูุถูˆู„ูƒ ุญูˆู„ ู…ุง ุชุดุนุฑ ุจู‡ ุนู†ุฏู…ุง ุชูู†ูู‚.
09:31
Are you lonely?
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ู‡ู„ ุฃู†ุช ูˆุญูŠุฏุŸ
09:33
Are you bored?
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ู‡ู„ ุฃู†ุช ุถุฌุฑุŸ
09:34
Or are you just excited?
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ุฃูˆ ู‡ู„ ุฃู†ุช ู…ุชุญู…ุณุŸ
09:39
But there's deeper work that needs to happen.
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ูˆู„ูƒู† ู‡ู†ุงูƒ ู…ู‡ู…ุฉ ุฃุนู…ู‚ ูŠุฌุจ ุฃู† ุชุญุฏุซ.
09:42
How did you get all these money beliefs to begin with?
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ูƒูŠู ุญุตู„ุช ุนู„ู‰ ูƒู„ ู‡ุฐู‡ ุงู„ู…ุนุชู‚ุฏุงุช ุงู„ู…ุงู„ูŠุฉุŸ
09:46
I call this your money autobiography,
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ุฃุณู…ูŠ ู‡ุฐุง ุงู„ุณูŠุฑุฉ ุงู„ุฐุงุชูŠุฉ ู„ุฃู…ูˆุงู„ูƒู…ุŒ
09:49
and as a money coach, this is the first step I take with my clients.
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ูˆูƒู…ุฏุฑุจ ู…ุงู„ูŠุŒ ูุฅู† ู‡ุฐู‡ ู‡ูŠ ุงู„ุฎุทูˆุฉ ุงู„ุฃูˆู„ู‰ ุงู„ุชูŠ ุฃุชุฎุฐู‡ุง ู…ุน ุนู…ู„ุงุฆูŠ.
09:54
Think back to your earliest childhood money memory.
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ุงุณุชุฑุฌุน ุฐูƒุฑูŠุงุชูƒ ุงู„ุทููˆู„ูŠุฉ ุงู„ู…ุงู„ูŠุฉ.
09:58
What did it feel like when you got money?
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ูƒูŠู ูƒุงู† ุดุนูˆุฑูƒ ุนู†ุฏู…ุง ุญุตู„ุช ุนู„ู‰ ุงู„ู…ุงู„ุŸ
10:01
Were you excited, proud or confused?
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ู‡ู„ ูƒู†ุช ู…ุชุญู…ุณู‹ุง ุฃูˆ ูุฎูˆุฑู‹ุง ุฃูˆ ู…ุฑุชุจูƒู‹ุงุŸ
10:06
And what did you do with the money?
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ูˆู…ุงุฐุง ูุนู„ุช ุจุงู„ู…ุงู„ุŸ
10:08
Did you run with the candy store, or did you run to the bank?
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ู‡ู„ ุฌุฑูŠุช ุฅู„ู‰ ู…ุชุฌุฑ ุงู„ุญู„ูˆูŠุงุช ุฃู… ุฅู„ู‰ ุงู„ุจู†ูƒุŸ
10:12
And what did you hear your parents say,
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ูˆู…ุงุฐุง ุณู…ุนุช ูˆุงู„ุฏูŠูƒ ูŠู‚ูˆู„ุงู†ุŒ
10:15
and what did you see your parents do with the money?
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ูˆู…ุงุฐุง ูƒุงู† ูˆุงู„ุฏุงูƒ ูŠูุนู„ุงู† ุจุงู„ู…ุงู„ุŸ
10:19
My brother and I heard,
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ุฃู†ุง ูˆุฃุฎูŠ ุณู…ุนู†ุง:
10:21
"More money will make us happy."
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"ุงู„ู…ุฒูŠุฏ ู…ู† ุงู„ู…ุงู„ ุณูŠุฌุนู„ู†ุง ุณุนุฏุงุก."
10:24
Every day.
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ูƒู„ ูŠูˆู….
10:25
"More money will make us happy."
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"ุงู„ู…ุฒูŠุฏ ู…ู† ุงู„ู…ุงู„ ุณูŠุฌุนู„ู†ุง ุณุนุฏุงุก."
10:27
And we internalized that into the money belief
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ูˆู‚ุฏ ุงุณุชูˆุนุจู†ุง ุฐู„ูƒ ููŠ ุงุนุชู‚ุงุฏู†ุง ุงู„ู…ุงู„ูŠ
10:31
that our self worth was equal to our net worth
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ุฃู† ุชู‚ุฏูŠุฑู†ุง ุงู„ุฐุงุชูŠ ู„ุฃู†ูุณู†ุง ูƒุงู† ูŠุณุงูˆูŠ ู‚ูŠู…ุชู†ุง ุงู„ุตุงููŠุฉ
10:35
as we watched our mom live in a state of chronic not-enoughness.
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ุนู†ุฏ ู…ุดุงู‡ุฏุชู†ุง ู„ุฃู…ู‘ู†ุง ุชุนูŠุด ููŠ ุญุงู„ุฉ ู…ุฒู…ู†ุฉ ู…ู† ุนุฏู… ุงู„ุงูƒุชูุงุก.
10:41
And she numbed the pain with sugar and shopping.
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ูˆุฎุฏู‘ุฑุช ุงู„ุฃู„ู… ุจุงู„ุณูƒุฑูŠุงุช ูˆุงู„ุชุณูˆู‚.
10:46
So what did we do?
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ู„ุฐุง ู…ุงุฐุง ูุนู„ู†ุงุŸ
10:48
Keith played out my mother's life.
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ู„ุนุจ ูƒูŠุซ ุฏูˆุฑ ุฃู…ูŠ.
10:51
He was an underearner, longed to be financially rescued,
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ูƒุงู† ูŠูƒุณุจ ุงู„ู‚ู„ูŠู„ ุฌุฏู‘ู‹ุงุŒ ูˆูƒุงู† ูŠุชูˆู‚ ู„ุฃู† ูŠุชู… ุฅู†ู‚ุงุฐู‡ ู…ุงู„ูŠู‹ุงุŒ
10:55
and he numbed out the pain with alcohol.
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ูˆูŠุฎูู ุงู„ุฃู„ู… ุจุงู„ูƒุญูˆู„.
10:59
I did the opposite.
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ุฃู†ุง ูุนู„ุช ุงู„ุนูƒุณ.
11:01
I became a high earner,
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ุฃุตุจุญุช ู…ู† ุฐูˆูŠ ุงู„ุฏุฎู„ ุงู„ู…ุฑุชูุนุŒ
11:03
rescuer,
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ูˆุงู„ู…ู†ู‚ุฐุฉุŒ
11:06
and I numbed the pain out with self-help books.
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ูˆู‡ุฏุฃุช ุงู„ุฃู„ู… ุจูƒุชุจ ุชู†ู…ูŠุฉ ุงู„ุฐุงุช.
11:11
But what we had in common was our money belief.
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ูˆู„ูƒู† ู‚ุงุณู…ู†ุง ุงู„ู…ุดุชุฑูƒ ูƒุงู† ู‡ูˆ ุงุนุชู‚ุงุฏู†ุง ุงู„ู…ุงู„ูŠ.
11:14
We both believed that our bank account balance
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ุญูŠุซ ุงุนุชู‚ุฏ ูƒู„ุงู†ุง ุฃู† ุฃุฑุตุฏุฉ ุญุณุงุจุงุชู†ุง ุงู„ู…ุตุฑููŠุฉ
11:17
was equal to our self worth.
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ู…ุณุงูˆูŠุฉ ู„ู‚ูŠู…ุชู†ุง ุงู„ุฐุงุชูŠุฉ.
11:20
Looking back at the Starbucks meeting with my brother ...
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ุจุงู„ู†ุธุฑ ู„ู„ูˆุฑุงุก ุฅู„ู‰ ุงู„ุงุฌุชู…ุงุน ุงู„ุฐูŠ ุฌู…ุนู†ูŠ ู…ุน ุฃุฎูŠ ููŠ ุณุชุงุฑุจูƒุณ ...
11:25
he didn't need a budget and my judgment.
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ู„ู… ูŠูƒู† ุจุญุงุฌุฉ ุฅู„ู‰ ุฏุฎู„ ูˆู„ุง ุฑุฃูŠูŠ.
11:29
He needed a breakthrough from his suffering,
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ูƒุงู† ุจุญุงุฌุฉ ุฅู„ู‰ ุฃู† ุชููุฑุฌ ู…ุนุงู†ุงุชู‡ุŒ
11:32
and he needed my compassion.
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ูˆูƒุงู† ุจุญุงุฌุฉ ุฅู„ู‰ ุชุนุงุทููŠ.
11:36
Keith was not able to be the one to speak up
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ู„ู… ูŠูƒู† ูƒูŠุซ ู‚ุงุฏุฑู‹ุง ุนู„ู‰ ุงู„ุชุญุฏุซ
11:38
and break our family money shame cycle,
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ูˆูƒุณุฑ ุฏูˆุฑุฉ ุฎุฌู„ ุฃู…ูˆุงู„ ุนุงุฆู„ุชู†ุงุŒ
11:41
so he left me to do the work and share his legacy.
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ู„ุฐุง ูู‚ุฏ ุชุฑูƒู†ูŠ ุฃู‚ูˆู… ุจุงู„ุนู…ู„ ู„ูˆุญุฏูŠ ูˆุฃุดุงุฑูƒ ูˆุตูŠุชู‡.
11:46
Change is difficult,
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ุงู„ุชุบูŠูŠุฑ ุตุนุจุŒ
11:49
but in my family, not changing is fatal.
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ูˆู„ูƒู† ููŠ ุนุงุฆู„ุชูŠุŒ ุนุฏู… ุงู„ุชุบูŠูŠุฑ ู‡ูˆ ุฃู…ุฑ ู…ุตูŠุฑูŠ.
11:54
So I did the work,
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ู„ุฐุง ู‚ู…ุช ุจุงู„ุนู…ู„ุŒ
11:56
and I have experienced deep and profound forgiveness,
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ูˆุนุดุช ุชุณุงู…ุญู‹ุง ุนู…ูŠู‚ู‹ุงุŒ
12:03
and as I stand here today,
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ูˆูƒู…ุง ุฃู‚ู ู‡ู†ุง ุงู„ูŠูˆู…ุŒ
12:05
I am living on purpose,
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ูุฃู†ุง ุฃุนูŠุด ู„ู‡ุฏูุŒ
12:09
I serve, and money serves me.
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ุฃู†ุง ุฃุฎุฏู… ูˆุงู„ู…ุงู„ ูŠุฎุฏู…ู†ูŠ.
12:13
It only takes one person in your family
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ู„ุง ูŠุชุทู„ุจ ุงู„ุฃู…ุฑ ุณูˆู‰ ุดุฎุต ูˆุงุญุฏ ู…ู† ุนุงุฆู„ุชูƒ
12:18
to break through the money-shame cycle.
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ูŠู‚ูˆู… ุจูƒุณุฑ ุฏูˆุฑุฉ ุงู„ุฎุฌู„ ู…ู† ุงู„ู…ุงู„.
12:21
I want you to be the one.
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ุฃุฑูŠุฏูƒู… ุฃู† ุชูƒูˆู†ูˆุง ู‡ุฐุง ุงู„ุดุฎุต.
12:24
Thank you.
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ุดูƒุฑู‹ุง ู„ูƒู….
12:25
(Applause)
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(ุชุตููŠู‚)
ุญูˆู„ ู‡ุฐุง ุงู„ู…ูˆู‚ุน

ุณูŠู‚ุฏู… ู„ูƒ ู‡ุฐุง ุงู„ู…ูˆู‚ุน ู…ู‚ุงุทุน ููŠุฏูŠูˆ YouTube ุงู„ู…ููŠุฏุฉ ู„ุชุนู„ู… ุงู„ู„ุบุฉ ุงู„ุฅู†ุฌู„ูŠุฒูŠุฉ. ุณุชุฑู‰ ุฏุฑูˆุณ ุงู„ู„ุบุฉ ุงู„ุฅู†ุฌู„ูŠุฒูŠุฉ ุงู„ุชูŠ ูŠุชู… ุชุฏุฑูŠุณู‡ุง ู…ู† ู‚ุจู„ ู…ุฏุฑุณูŠู† ู…ู† ุงู„ุฏุฑุฌุฉ ุงู„ุฃูˆู„ู‰ ู…ู† ุฌู…ูŠุน ุฃู†ุญุงุก ุงู„ุนุงู„ู…. ุงู†ู‚ุฑ ู†ู‚ุฑู‹ุง ู…ุฒุฏูˆุฌู‹ุง ููˆู‚ ุงู„ุชุฑุฌู…ุฉ ุงู„ุฅู†ุฌู„ูŠุฒูŠุฉ ุงู„ู…ุนุฑูˆุถุฉ ุนู„ู‰ ูƒู„ ุตูุญุฉ ููŠุฏูŠูˆ ู„ุชุดุบูŠู„ ุงู„ููŠุฏูŠูˆ ู…ู† ู‡ู†ุงูƒ. ูŠุชู… ุชู…ุฑูŠุฑ ุงู„ุชุฑุฌู…ุงุช ุจุงู„ุชุฒุงู…ู† ู…ุน ุชุดุบูŠู„ ุงู„ููŠุฏูŠูˆ. ุฅุฐุง ูƒุงู† ู„ุฏูŠูƒ ุฃูŠ ุชุนู„ูŠู‚ุงุช ุฃูˆ ุทู„ุจุงุช ุŒ ูŠุฑุฌู‰ ุงู„ุงุชุตุงู„ ุจู†ุง ุจุงุณุชุฎุฏุงู… ู†ู…ูˆุฐุฌ ุงู„ุงุชุตุงู„ ู‡ุฐุง.

https://forms.gle/WvT1wiN1qDtmnspy7