A very small percentage of people reading this article truly understand the war that our banks are currently in with cyber-criminals. I’m not talking about your cousin who brags about his hacking skills. I’m talking about serious multi-tiered businesses that have enormous resources at their disposal for gradually leaking small amounts of money from the bank accounts of millions of people.
Your firewall and antivirus software only reacts to threats after they have been identified. By then, it’s too late because they write malware that attacks at the root directory level, giving absolute control over your computer, even to the point of being able to tell the antivirus software to ignore certain files.
They don’t care about wiping out your bank account, because that would bring a borage of calls from the bank to the FBI, slowing down their business by forcing them to create new phony bank accounts to receive your money (at a faster rate than they currently have to react). These guys are stealing from you and the banks don’t like to talk about it. It’s better for their business to hire the best team they can and swallow the losses (to avoid losing your patronage). But these guys are not as big a problem as the other guy.
The other guy is you.
You are leaking money from your bank account and sabotaging your freedom and choices in the process. I’m talking about that nasty little “empty-bank account” habit (and yes, it’s a habit not a circumstance of your life).
Most people have been gradually influenced by society in a way that implanted “malware” in their brains. The malware messages go undetected by your conscious mind. The malware messages tell you that you should spend your money because you “deserve it.”
The messages fail to take into account the stress that you end up feeling when you invest your money in things that don’t end up increasing your quality of life in the long-run. For your next purchase, ask yourself if your overall quality of life will actually increase by making the purchase. If not, you are poking a small hole in your bank account, leaking your life energy in the form of money.
You can do better. Start now. Invest in your freedom.
Think in terms of six months and six years. If buying coffee for 3.99 only boosts your quality of life for six hours, the net effect will be a decrease in your quality of life. A six-year payoff is better than a six-month payoff, but even switching to a six-month payoff for most of your expenses will improve your life. For example, 3.99 three times a week is 287 dollars over six months. That’s the cost of a flight to see your best friend from college or your family back home. Would your quality of life go up if you saw them at least every six months during the next six years? If not, keep the money and invest in keeping your stress low by putting the money aside for a rainy day fund. Having that money set aside goes a long way toward decreasing stress.
Are you the master of your bank account? Does it stress you out or relax you when you check your balance online? Take action now to remedy the situation. Start building new habits of thought and action so that your money becomes a stress buffer instead of a stress creator.
