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You Don’t Spend Money Because You Want to. You Spend Money Because You’re Lazy.

The financial truth that many don’t understand.

Paulo A. José
4 min readApr 10, 2023
Photo by Natalya Ukolova on Unsplash

This week I realized that I still have P2P loans going on. P2P is money that you lend to another person and earn interest.

As an investor first I had to look at which platforms. Since I have a sophisticated filing system (old emails) I found my logins again.

At that time I had paid $800 on two platforms and really expected that at some point I would hear about bankruptcies, loan defaults, and other things and that my experience with them would be considered a failure.

Well. I was curious to know if this is an exaggeration, what is going on, and how I feel about it. All in all 420 dollars of interest with 1600 dollars of invested capital.

Today I want to show you what our laziness can cost us over the months.

Sometimes we don’t even realize how much convenience can creep into our daily lives. By no means is it about simply doing nothing and resting, but about those things that you could do yourself and without much effort.

$800 To $960 A Year If The Baker Makes Your Breakfast For You.

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