– English Lyrics

Lyrics & Translation

[English]

You're not bad with money. You were just

never taught how to use it. You were

taught how to earn it, not how to grow

it. You were taught how to spend it, but

not how to invest it. You were taught to

chase it, not how to make it work for

you. You weren't taught about investing,

only about surviving. And it's not your

fault you didn't know, but it's your

power to learn now.

>> The number one health and wellness

podcast,

>> J Shetty.

>> J Shetty,

>> the one, the only J Shetty.

>> Hey everyone, welcome back to OnPurpose.

I'm J Shetty and I am so deeply grateful

that you tuned in. I hope that you've

subscribed so that you never miss an

episode. And make sure you keep tagging

me on Instagram and Tik Tok and all your

platforms. I love seeing the clips and

the parts that resonate with you. And I

love the community we're building. Now,

today's episode is about something that

I believe is so important. It's

everything I wish I knew about money in

my 20s. Now, whether you're in your 20s,

30s, 40s, or 50s, this episode still

applies because I believe that financial

literacy is something we all learn far

too late. It's something that some of us

never learn at all. I'm sure you've had

some challenges with this. Whether it's

been credit card payments, whether it's

been debt, whether it's been

understanding how to make money or grow

money, whether it's understanding, do I

need a side hustle? How many streams of

income do I have? Do I really know where

I'm spending my money? Do I know where

I'm wasting my money? And chances are,

if you've turned up here, there's a part

of you that's also avoided money. I'm

guessing there's a part of you that

doesn't like looking at your bank

statement. There's a part of you that

maybe wants to put it away. There's a

part of you that doesn't check how much

you've saved because you're scared.

You're scared to look at the number.

It's hard to face. And here's what I

want to start by telling you. It's not

your fault. You were never taught how to

do it. It's not something you should

know how to do. I think we all feel like

we grow up and all of a sudden we're

paying rent. We're paying taxes. We got

to figure out what a mortgage is. We

have no idea how that works. Everything

has interest. And all of a sudden, you

grow up and you go, "Well, wait a

minute. No one taught me this in

school." Even if you studied economics

at school, you didn't know how real

world economy worked. Even if you

studied finance at university, you

didn't necessarily know how to start and

run a business. It doesn't work that

way. So, I want you to take the pressure

off and I want this to be the start of

you changing your money mindset. I want

this to be the beginning of transforming

your relationship with money. I think

that's the main thing I want to focus on

here. Currently, you have an avoidant

relationship with money. There are three

types of attachment styles in love.

Secure, anxious, and avoidant. And I

believe that those three attachment

styles are also our attachment styles

with money. We either feel secure

talking about money and what it is. We

feel anxious talking about money and how

much we make, save, and spend. Or we

avoid it all together. Which one of you?

If I asked you right now, do you feel

secure talking about money, listening

about money, looking at your bank

statements, looking at your budgeting

and saving? Do you feel anxious? So, you

might do those things, but actually

there's this underlying anxiety. I don't

have enough. I'm not going to have

enough. I don't like all of this. This

is stressful. And then there's

avoidance. I don't look at it at all. I

have no idea. We want to transform our

relationship with money to be secure.

I'm not saying we have to be overly

confident. I'm not saying you have to

become a millionaire. I'm not saying

that you've got to have an abundance

mindset. I just want you to feel safe

and secure talking about money, hearing

about money, and learning about money.

We've all been taught this myth. I'm

sure you've heard it before. Money is

the root of all evil. You know what's

really interesting about that? When you

actually check the actual reference,

the actual quote is the love of money is

the root of all evil. Notice how

different that is. It's not that money

is the root of all evil. It's the love

of money that's the root of all evil.

It's the obsession. It's the lust. It's

the greed after it that's the root of

all evil. But money itself is energy.

Money is a resource. Money is a

universal power.

Money's a currency.

But when we get lost in this belief that

it's bad, it's negative. Our

relationship with it becomes anxious and

avoidant. When we feel it's unhealthy,

we're not being told to not master our

money. We're just being told not to fall

in love with it and think it's the be

all and end all of everything. That's

the beginning of transforming our

relationship from avoidant to anxious to

secure. Let's dive in. Number one, you

don't have an income problem, you have a

decision problem. Most 20year-olds think

they'll be better with money once they

can earn more. I'm sure you've said this

as well. When I have more money, I'll be

better at dealing with it. Right now, I

don't have enough to even think about

it. But science shows that your sense of

control, not your salary, predicts your

financial well-being. People with an

internal locus of control, who believe

they influence their outcomes, are more

likely to budget, save, and bounce back

from financial stress. One of my

favorite quotes from Jim Ran is he said,

"Formal education will make you a

living. Self-education will make you a

fortune." But here's the takeaway. The

moment you take responsibility for your

financial habits, even if you're broke,

is the moment you start building wealth.

Here's an action. List three money

related decisions you can make today.

Even if your income is low, you could

set up a free budgeting app. You could

cancel one unnecessary subscription. You

could transfer £5 to savings or $5 even

if it feels small. Don't avoid talking

about money. Don't avoid talking to

people about money. Don't act broke to

stay relatable. Don't play so small so

no one feels uncomfortable.

Don't pretend you don't care about

wealth when you're struggling without

it. Don't shame ambition then envy the

results. Don't wait to get rich before

learning how to manage it. Don't hide

your financial goals. Speak them like

they already belong to you.

Don't stay silent about money and expect

your relationship with it to improve.

It's like not talking to your partner

and wanting to stay in love. Imagine if

you never talked about love. You never

talked about your relationship. You

never talked about connection or

intimacy. How good would your

relationship be? How healthy would it

be? People who believe that they can

control their destiny, that they can

change their reality, that they take

control of their financial habits, will

see change. I want you to recognize that

you won't feel better about your

financial situation because you avoid

looking at your bank statement. You'll

only feel better about your financial

situation when you actually turn towards

it. Number two, you won't save what you

don't see. This is a psychological

principle. We spend what we mentally

label as available. If your paycheck

hits your account and sits there, your

brain sees it as spendable. This is why

automation and separation are more

powerful than discipline. We think, "Oh,

I'll be disciplined this month. I'll

spend less." But no, if there's no

automation and separation of how that

money is divided, you will break your

discipline. Mental accounting helps

reduce friction between what you want

and what you do. There's an amazing

quote I love. It says, "Do not save what

is left after spending, but spend what

is left after saving." That's from

Warren Buffett, one of my favorite

quotes. Don't save what is left after

spending, but spend what is left after

saving. You want to create an automatic

save and then spend what is left over.

You don't want to be in a position where

you just have this amount in your

current account and you're thinking,

"Okay, I'm going to try and save some of

it this month." And then at the end of

the month, you're looking at it and

you're back at zero. You got to remember

this. Your brain is lazy but

programmable.

Make savings invisible. Open a second

account today. Automate 10%, 20%,

whatever you can do of every paycheck,

even if it's $10 to go straight there

and label it freedom fund. Label it your

freedom fund. Give it a name. Give it

something exciting. Don't just call it

savings because even the word savings

sometimes can feel boring and kind of,

you know, unenthusing or it can feel

scary to look at a savings account with

not much in it. But a freedom fund,

whatever inspires you, make it automated

and make it separated.

Don't just make money. Learn to keep it.

Don't spend to look rich. Save to stay

free. Don't let every paycheck pass

through you like you don't matter.

Don't confuse lifestyle with wealth.

Don't buy comfort now and borrow stress

later.

Don't think saving is boring. It's the

most rebellious thing in a world that

wants you broke. Don't wait until you

make more. Save now so future you has

options.

Don't treat saving like a punishment.

Treat it like selfrespect.

A lot of people that I've spoken to,

finance experts as well, will talk about

the dangers of how everyone online will

tell you, invest, invest, invest. You

may end up losing a bunch of money on

crypto. You may end up losing a bunch of

money on NFTTS. You don't need to do any

of those get-rich quick schemes. What

you need to focus on is building your

future. Number three, buying things

won't make you rich, but learning about

them actually might. Most people think

money is for spending, not studying, but

impulsive buying triggers dopamine and

short-term pleasure, while financial

literacy builds long-term gain. Studies

show those with higher financial

literacy experience lower anxiety, more

saving, and better life outcomes. Warren

Buffett said, "The more you learn, the

more you earn." Money grows when your

brain grows first. Talking about

investing, spend 10 minutes today

reading about a financial concept,

compound interest, inflation, investing.

Swap one scroll for one financial

insight.

Investing in yourself and your knowledge

is a far better investment at the

beginning of your wealth journey than

any other asset. I promise you that.

Buying things won't make you rich.

Impressing people won't build your net

worth. Wearing your salary won't grow

your savings.

Spending like you're wealthy won't make

you wealthy. Every time you buy to feel

better, you're selling off your future

peace. You don't need more stuff. You

need more strategy. The goal isn't to

look rich. The goal is to stop worrying

about money. Now, I'm not saying I don't

want you to treat yourself. I'm not

saying that I like nice things, too. I I

I don't think there's anything wrong

with that. You just don't want it to be

imbalanced. You don't want it to be that

you're stressed every time you buy

something. I was talking to a friend

about this. He didn't go to university.

He found something that he loved early

on in life and started making a living.

Now, in the beginning, it didn't make

him loads of money, but he learned very

quickly how to not get wrapped up in

building a lifestyle and actually how to

invest it and learn about it. And that's

the point I really want to bring about

here. It's not just investing. Before

investing, there's a learning piece.

Okay? Is it property? Is it compound? Is

it this? Is it borrowing? Is it? It's

figuring that out. And I think a lot of

people today will be like, "Hey, invest

in this cuz this is the next big thing.

Hey, invest in this cuz this is the next

big hit." And the challenge with that is

you do something with very low learning.

Usually, it's a very big investment. And

I've got another friend who knew nothing

about crypto, put practically 50% of his

life savings into it, and then the next

week when crypto dropped, he took

everything out cuz he'd lost 10K and got

worried about it. And then the next week

it all went up again. And then he'd lost

all of it. And it was just this mess of

getting involved in things and investing

in things that you have very little

insight over. At the same time, I've got

friends who got great jobs out of

university, but their lifestyle changed

so much that their lifestyle was

competing with their income. Right? When

your lifestyle is competing with your

income, the pressure that we experience,

that makes it extremely hard to turn

that into future value. A lot of the

times we can look at people and think

that they're spending lavishly, but

we're looking at a number, not at a

percentage. I would start looking at

your life as a percentage of how much

you spend on your lifestyle versus how

much you spend on your future. It's not

about the amount. Someone could spend

10,000 on a wedding. Someone could spend

50,000 on a wedding. Someone could spend

a million on a wedding. It's not about

the amount they spend. It's the

percentage of their income that matters

about how they spend. And so, stop

looking at numbers at face value. Start

looking at your life as a percentage of

what you're walking home with after tax

and figuring out how that feels for you.

I think the before and after tax is a

whole conversation in and of itself. So

many of us look at how much we make as a

revenue standpoint or as an income

standpoint and not looking at what does

that look like after tax? What does that

look like after rent? What does that

look like after my car bill? Right? I

see so many people with really great

amazing cars that is their entire salary

is the amount that car is worth and all

of a sudden when you start looking at

those payments monthly it starts getting

really painful. Don't ignore the reality

of trying to present your lifestyle in a

certain way. I've also find it to be

what's known as the golden handcuffs. A

lot of people get so used to their

lifestyle that they can't quit a job

they hate. So, you actually hate what

you're doing, but you can't stop doing

it because it pays for the lifestyle you

want. The question you have to ask

yourself is, do I want to do something I

hate for the rest of my life to pay for

things? And it's okay if you do. If the

answer is yes, that's fine. But oftent

times we get an opportunity to do

something closer to our heart but we

don't want to take it because we'd make

less. In my own life I went through

that. I had a stable job as a

consultant. I was doing okay. Okay being

very important as part of it. And I

wasn't doing well and I wasn't doing

badly. I was doing just fine. And I gave

that up to pursue my passion. And I'm so

grateful for that because I am so

thankful that I get to do what I love

today. But I had to take off the golden

handcuffs. I had a safe, stable career

lined up, but I was willing to make

less. I was willing to make nothing at

all in the beginning to get it going.

And I'm grateful that I was able to put

those down. So don't be tied by the

golden handcuffs. Step number four, debt

isn't evil, but ignorance is. Most

20somes are taught that all debt is bad.

It's not. What's dangerous is not

understanding how it works and what type

of debt you're getting into. We avoid

debt education out of fear. Yet, the

avoidance is what leads to mistakes.

Psychology shows that we react more

strongly to losses than gains. So, we

emotionally shut down around debt. One

of my favorite quotes is if you don't

find a way to make money while you

sleep, you will work until you die.

That's Warren Buffett as well. So the

takeaway is you can't beat a system you

don't understand. Action point for you.

Learn the basics. APR, credit score,

interest. Pick one debt. Could be your

student loan, credit card, and break

down how it actually works. Then make a

plan. Do one thing at a time. Don't just

look at debt as this one big bubble.

Student loan is different to credit card

debt. Go and understand it deeply and

see what support there is out there as

well. Number five, you're not lazy,

you're overwhelmed.

We blame ourselves for being bad with

money. But often it's not laziness, it's

too many small, unresolved financial

decisions draining willpower. Science

shows that decision fatigue leads to

avoidance, impulsive spending, and

missed opportunities.

PT Barnum famously said, "Money is a

terrible master, but an excellent

servant." Here's the takeaway. Simplify

before you scale. What does that look

like in action? Pick one financial goal

for the next 30 days. Just one. And

track only that. no pressure to fix

everything at once. And remember, you're

not bad with money. You were just never

taught how to use it. You were taught

how to earn it, not how to grow it. You

were taught how to spend it, but not how

to invest it. You were taught to chase

it, not how to make it work for you. You

weren't taught about investing,

only about surviving. You learned to

feel guilty when you had money and

ashamed when you didn't. You inherited

stress, not strategy.

And it's not your fault you didn't know,

but it's your power to learn. Now,

number six, your money beliefs aren't

yours, they're inherited. This is from a

psych principle of cognitive scripts and

money archetypes by Brad Klants. What we

don't realize is we grow up absorbing

money messages. Maybe in your house

people always said money is hard to

make. Rich people are greedy or we don't

talk about finances. These unconscious

scripts drive your habits until you

rewrite them. T Harve said your money

blueprints are not set in stone. You can

change them. So here's the takeaway. You

can't change your future until you

challenge your programming. Write down

three money beliefs you heard growing

up. What were the things your parents

said? What were the things your family

members said? What were the what was the

rhetoric around money? And ask yourself,

do these still serve me? Then rewrite

one. Instead of saying money is selfish,

write money is fuel for generosity.

Notice the difference. You can change

your relationship with money. You can

stop chasing it out of fear and start

building it from wisdom. You can stop

using it to impress and start using it

to invest. You can stop hiding from your

bank account and start owning every

number. You can stop saying I'm bad with

money and start learning like your

future depends on it. Because it does.

You can rewrite the money stories you

were raised on. You can replace guilt

with clarity. You can replace shame with

strategy, scarcity with intention. It's

not about how much you have. It's about

how you treat it. And how you treat

money determines whether it stays or

leaves. Think about a partner. Is your

partner going to stay if you don't

respect them? Is your partner going to

stay if you don't invest in them? Is

your partner going to stay if you don't

learn about them? Is your partner going

to stay if you avoid them? No. Money is

exactly the same. But why do we treat it

so differently? It's because of these

narratives that we've built up since we

were kids. I grew up in a house where we

always had just enough, which meant I

looked at my bank account growing up

with zero in it. A lot. I started

working when I was 14. I paid for my

first phone bill, paid for my car, my

car insurance. I started paying for

things very, very early in life, but I

was lucky to live at my parents, so I

wasn't paying for rent. But I started

learning the value of money. And I

remember growing up just looking at my

bank balance and seeing zero because my

money mindset was I need just enough.

Would I ever say I need just enough

oxygen?

Imagine you had all the oxygen for the

next 3 months in a bag. and you were

like, "All right, I've only got three

months, but I've got just enough for

three months." You'd you wouldn't do

that. You you'd be like, "Oh god, I need

to figure out how to get more oxygen or

I need to I need to have more available

oxygen. I can't live like that." Money

and oxygen are very similar like that.

And by the way, I've been there. I've

been nearly 4 months away from being

broke. I know what it feels like to be

living paycheck to paycheck with only

enough money for rent and groceries.

Having been there, what I know is that

there was a lot of fear. There was a lot

of stress. It was because I was avoiding

conversations about money. I was

avoiding looking at where the money was

going. It was just coming in and going

out and I wasn't breaking it down. If

you're not aware of how much is being

saved, how much is going for bills, if

you're not budgeting, if you're not

taking a look at this at a very basic

level, you will always be scared. I

don't want you to be scared anymore.

Number seven, generosity multiplies

wealth, not drains it. We're taught to

hoard money when stressed, but

psychology shows that intentional

generosity improves well-being,

long-term wealth mindset, and even

motivation. People who give, even small

amounts, are more optimistic and

productive. One of the things I love to

see is I've been very fortunate over the

last few years to lead some fundraisers.

We led one online during the pandemic

for Give India and it was phenomenal to

see so many of you jump in and it was

because of people like yourself who

jumped in at $5, $10 that we were able

to raise over $5 million in 24 hours.

People often think, what will my $5 do?

What will my $10 do? I promise you it

makes a difference because what we need

is a lot of people who give a little.

That great giving that happens connects

us. And I saw that in action. I remember

we did this live broadcast where we were

raising money. We had big donors who

were matching it. I had friends like Ray

Dallio come in and give a million

dollars to match whatever we were doing.

We had Indiaspora who were matching

whatever we made as well. But it was you

who raised millions of dollars that then

were matched by these other donors. And

that's what created this beautiful

feeling of giving. And one of the things

I think about is if I have more, I have

more to give. It's a beautiful mindset

to have. And that's what it is. It's the

responsibility of those who have more to

give more. That's what it's there for.

And so, you don't have to be greedy.

There's a famous quote that I've heard

many, many times, and it says, "Money

just makes you more of who you are."

Right? It just amplifies who you were in

the first place. A lot of us are scared

to become wealthy because we're scared

it might change our hearts. I'm here to

tell you that it will only make you more

of who you are. If you're a generous

person, if you have more money, you'll

just be more generous.

If you're a greedy, small-minded person,

it will just make you more of that. And

so, don't feel like it will change you.

It doesn't have to change you. There's a

famous Drake lyric that I love where he

said, "I like when money makes a

difference but doesn't make you

different." And that's what I think we

have to approach it from is how can we

use money to make a difference in our

lives, the people that we love and

people beyond. So that's the takeaway.

And here's the action I want to leave

you with here. Give something small this

week. £5 your time, a referral or a

skill. All of that is giving. Watch how

your energy towards money shifts when it

serves others as well. Here's my final

thought. Money isn't just numbers. It's

emotion. It's energy. It's identity. At

20, you're not too young to build

wealth. You're early enough to build it

with wisdom. Start with just one of

these shifts today. And remember, the

wealthiest people aren't always the ones

who made the most money. They're the

ones who built the best relationship

with money. Let me know what resonated

with you, what connected with you. I'd

love to do more episodes about our

financial health and well-being. I'm

always approaching it from an energetic

standpoint. I have some amazing experts

on the show giving you much more

tactical, practical, specific insights

on what to do with your money. Make sure

you go and check out those episodes.

We've had everyone from Cody Sanchez to

Jaspree to many, many more. Do not miss

those episodes on financial well-being.

I'll see you very soon. If you love this

episode, you will also love my interview

with Charles Doohig on how to hack your

brain, change any habit effortlessly,

and the secret to making better

decisions. Look, am I hesitating on this

because I'm scared of making the choice,

cuz I'm scared of doing the work?

Key Vocabulary

Vocabulary	Meanings
invest ɪnˈvɛst B1	verb - to put money, effort, or resources into something to make a profit or achieve a result
surviving səˈvaɪvɪŋ A2	verb - to continue to live or exist, especially in difficult conditions
financial faɪˈnænʃəl A2	adjective - relating to money or how it is managed
literacy ˈlɪtərəsi B1	noun - the ability to read, write, and understand basic financial concepts
budgeting ˈbʌdʒɪtɪŋ A2	noun - the process of planning how to spend money effectively
saving ˈseɪvɪŋ A1	noun - money kept or reserved for future use
automation ɔːˌtoʊˈmeɪʃən B2	noun - the use of technology to perform tasks without human intervention
separation ˌsɛpəˈreɪʃən B1	noun - the act of dividing or distinguishing between different parts
compound kəmˈpaʊnd B2	noun - a thing that is composed of two or more separate elements; a compound interest
investing ɪnˈvɛstɪŋ B1	verb - to allocate money with the expectation of receiving a profit
lifestyle ˈlaɪfstaɪl A2	noun - the way of living of an individual, group, or society
debt dɛt A2	noun - something, typically money, that is owed or due
generosity ˌdʒɛnəˈrɑːsɪti B1	noun - the quality of being kind and generous
wealth wɛlθ A2	noun - an abundance of valuable possessions or money
strategy ˈstrætɪdʒi B1	noun - a plan of action designed to achieve a long-term aim
avoidant əˈvɔɪdənt B2	adjective - tending to avoid something, especially due to fear or anxiety
anxious ˈæŋkʃəs A2	adjective - feeling or showing worry or nervousness
secure sɪˈkjʊər A2	adjective - free from danger or threat
rebellious rɪˈbɛliəs B1	adjective - showing a desire to resist authority or control
ignorance ˈɪɡnərəns B1	noun - lack of knowledge or information
overwhelmed ˌoʊvərˈhwɛlmd B1	adjective - having a strong emotional response due to a difficult situation

Key Grammar Structures

• You were taught how to earn it, not how to grow it.

  ➔ Past simple passive voice

  ➔ The sentence uses the past simple passive voice with 'were taught' to emphasize the action (teaching) rather than the doer.

• It's not your fault you didn't know, but it's your power to learn now.

  ➔ Emphatic structure with 'It's... that'

  ➔ The sentence uses an emphatic structure to highlight the contrast between fault and power.

• Don't save what is left after spending, but spend what is left after saving.

  ➔ Parallel structure with 'but'

  ➔ The sentence uses parallel structure to contrast two actions, emphasizing the importance of saving first.

• You can't change your future until you challenge your programming.

  ➔ Modal verb 'can't' for impossibility

  ➔ The modal verb 'can't' is used to express impossibility, emphasizing the necessity of challenging one's programming.

• Money is a resource. Money is a universal power.

  ➔ Simple present tense for general truths

  ➔ The simple present tense is used to state general truths about money.

• If I asked you right now, do you feel secure talking about money?

  ➔ Indirect question with 'if'

  ➔ The sentence uses an indirect question with 'if' to politely inquire about the listener's feelings.

• You won't save what you don't see.

  ➔ Negative contraction with 'won't'

  ➔ The sentence uses a negative contraction with 'won't' to emphasize the impossibility of saving unseen money.

• The more you learn, the more you earn.

  ➔ Comparative correlative structure

  ➔ The sentence uses a comparative correlative structure to show the direct relationship between learning and earning.

• You inherited stress, not strategy.

  ➔ Contrast using 'not... but'

  ➔ The sentence uses 'not... but' to contrast stress and strategy, emphasizing what was inherited.