Personal finance: How to save, spend, and think rationally about money Big Think

Personal finance: How to save, spend, and think rationally about money  Big Think
VICKI ROBIN: I was leading a session on a relationship with money. I just was curious about where people were with this at this point. This was in 2016. We had 50 people in the room. We circled up and we went around the room, just say something about your relationship with money.
And I realized every person in that room was in fear about money. From the 80 year old who I know has millions of dollars to the 20 year old who's like already $20,000 in debt. And it just, honestly it infuriated me like what kind of society requires that everybody participate in something that terrifies them. This feels so amiss to me. DANIEL KAHNEMAN: People are not fully rational and they make many choices that if they reflected upon them they would do differently.
There's no question about that. The major tendency is people tend to frame things very narrowly. They take a narrow view of decision making. They look at the problem at hand and they deal with it as if it were the only problem. Very frequently it's a better idea to look at problems as they will recur throughout your life and then you look at the policy that you're to adopt for a class of problems.
Difficult to do would be a better thing. People frame things narrowly in the sense, for example, that they will save and borrow at the same time instead of somehow treating their whole portfolio of assets as one thing. If people were able to take a broader view they would in general make better decisions. So that is certainly one of the weaknesses of human decision making. We call it narrow framing.
Four layers of financial independence ROBIN: First of all, I'd like to distinguish between independence and freedom. So, financial freedom is like freeing your mind. Financial freedom is understanding that I'm me and there's an economy out there and I have a relationship with it but it doesn't run my life. It's freeing my mind from the messages of the consumer culture, the messages of the economy.
The messages that a house is a starter house.
No, that's my house. I could die in my house. It's like there's so many presumptions that drive us into waste slavery, debt, and it doesn't matter whether you are at the low end or the high end. If you are engaged in that sort of anxious process of more, more, more, you are not free. So the first layer of financial independence I talk about is this freedom of the mind.
This freeing your mind. Of saying like I am sovereign. The economy is secondary. I will move my sovereign self into the economy for my own purposes rather than I am a schlump, the economy is my mega-boss and I don't know, my boss seems to be as big as the sky and so I will just let my life be run by my boss and the tax system and I'm just going to let myself be run by this thing.
No.
So you are sovereign beings so that's your first layer of financial independence is your own sovereignty. And then the second layer is to get out of debt. And for some people debt feels endless. And the first step to getting out of debt is stop going into debt. There's many people who have written to us who flatten their debt in a couple of years.
Impossible debt. Debt that was going to be endless. They would die with this debt. And once they see what the debt is doing to them in terms of the actual opportunities, the future opportunities of their lives, that's the sort of link that we try to get people to make so that something in the future is more important than the immediate pleasure of buying one more tchotchke that you're never going to use. And the third level really is to get those six months of savings in liquid assets whether it's bank accounts.
Someplace where you can actually within 24-48 hours you could realize that money. So that you have an emergency fund. So that you are not tumbled back into debt as soon as something happens amiss. You lose a job which, you know, many people now feel that even their very, very important and significant jobs are precarious. So you want to get out of the zone of precariousness and part of how you get out of that precariousness is savings.
And then over time the next layer of financial independence is you start to see that surplus savings can be invested in such a way that it throws off an income. And over time if you become a systematic and sometimes obsessive saver – and you can see, you could chart it. You can watch your passive income grow knowing money is your life energy, you track everything you buy.
And an easy way to do it if you don't like writing in a little notebook every time you do a transaction is just use your debit card. I said debit, not credit.
You use your debit card and your bank has a complete record of all your purchases. Every month you take a look at your purchases, you sort out in categories that apply to your lifestyle. You just look at that and you kind of tell yourself the truth about whether spending your life energy in that way makes a difference. Understanding finance and keeping emotions controlled KAHNEMAN: You need to be numerate for certain kinds of decisions so numerate people have a significant advantage over those who are not. Understanding compound interest makes a huge difference whether you're a credit card borrower or somebody with savings.
People have a very hazy idea of compound interest and it's very detrimental so I would say that first of all you need to be numerate but many people are.
Then you need to frame things broadly. I mean it frequently goes with numeracy but it's not quite the same thing. By taking the broad view it is very important not to have overly strong emotional reactions to events. And what I mean by that is that most of us tend to respond to gains and to losses, to changes that happen in our life.
Actually you're better off if you frame things broadly and you think of you win a few, you lose a few, and you have very limited emotional response to small gains and to small losses. Money can buy happiness — if you spend it right ROBIN: There's so many ways in which we project onto money the ability to not only make us happy but to make us better or better than other people or safe or so many deep, gut level emotional feelings are playing themselves out in our relationship with money.
MICHAEL NORTON: We want more money and we want more happiness so maybe if we get more money we'll get more happiness. And it turns out that the relationship is really a lot more complicated than that. It's not too surprising to say that money can't buy you happiness.
We've heard that phrase a lot, but that doesn't help us understand then what kind of spending will actually make us happy and what kind won't. ROBIN: So we've got a certain limited time on the planet. We're going to spend a third of it sleeping.
We're going to spend another third of it commuting and showering and sitting at a desk and doing somebody else's bidding. That's not a lot of life.
So you think I've got a third, I have a third of my waking hours are mine to do whatever I want. Who am I? It's like it then sends it into an existential question. Who am I? What do I care about?
What do I want the impact of my actions to be? What do I want to learn? What do I want to understand? What do I want to feel, taste, touch? What do I want in what Mary Oliver calls my one wild and precious life.
 
NORTON: What we tend to find when we look at the data is that the biggest category of things that people spend on is stuff for themselves.
Of course we need to pay rent or our mortgage. We need to have a car. We need to have food and clothes, but it seems as though people are spending an inordinate amount of their money on stuff for themselves. And the biggest problem from out standpoint as psychologists is the percent of money that you spend on stuff for yourself is completely uncorrelated with how happy you are with your life.
It doesn't make you unhappy. It's not like if you buy a lot of stuff you're miserable which sometimes we think is the case.
It's just the case that it's flat. No matter how much it seems you buy for yourself, nothing really seems to happen. ROBIN: Once people start to pay attention to the flow of money and stuff in their lives in this way their consumption drops by about 20-25 percent naturally because that's the amount of unconsciousness that you have in your spending.
So, when you become conscious that falls away and many people say they don't even know what they used to spend their money on. They just oh, surprise. I'm spending less. I don't know how that happened. I just paid attention.
I just asked myself is this purchase of something making me happy. NORTON: When you focus on other people you sort of reverse the arrow from me to you, it seems that on average when people give to others which can be giving to charity, it can be treating a friend to lunch.
It can be buying people gifts. Those actions of giving rather than keeping seem to be associated with more happiness. But another opposite of stuff for yourself is to think about changing, you can still spend on yourself but change from stuff to something else.
And lots of research over the last decade has shown that on average when people buy experiences it tends to pay off in more happiness than buying stuff for themselves. Often when we buy stuff for ourselves we end up by ourselves with our stuff. Think of yourself on your phone playing a videogame, whatever else it might be. You're often alone with your stuff. Whereas experiences yes, we do some experiences solo, but many, many experiences have built into them that they're social.
If we go out to dinner or go see a movie or go on a hike, whatever else it might be, now we're with other people. It turns out that talking to other people makes us happy. Even casual interactions with other people make us happier than sitting by ourselves in a room. Teaching children about money BRUCE FEILER: Eighty percent of children, eight zero, get to college having never had a conversation with their parents about money.
Where it comes from, how it's earned, how it's spent, what debt is.
You can't just give your kids, launch them into their lives without giving them the tools. So I went to what I thought would be the smartest people to talk to about this – Warren Buffett's bankers. They advise the wealthiest families in the country and I thought they must know more. They can help my family. It turns out that these wealthy families are making even more mistakes and I walked away from this conversation with a number of takeaways.
Takeaway number one – show them the money. It's incredibly important to talk to children about money at an age appropriate level, but you need to talk. Buffett's banker said to me, ""I spoke to the richest woman in America and she said it's a burden if I tell my children how much money they have."" And he said, ""It's much more of a burden to burden them with ignorance than to burden them with the truth."" Number two, actually try to limit the influence of money.
After doing all this research in our home, we have chores, we have allowance. We do not overlap the two. Because if you do it turns out the kids will do the chores just for the money. You get an allowance as part of being a member of our family, but sorry, someone's got to put the dishes in the dishwasher, someone's got to make their bed. You're part of the team, you have to take care of yourself.
And the last thing is let them make mistakes. Buffett's banker chided me when I told him we were kind of forcing our kids to put their money into different pots – spend, save, give away, et cetera. He said, ""Let them decide for themselves."" And I said, ""But what if they make a mistake? What if they want to buy something and they've spent all their money on candy?
What if they drive into a ditch?"" And his answer was one of my favorite quotes in ""The Secrets of Happy Families."" He said, ""It's much better to make a mistake with a six dollar allowance than a $60,000 a year salary or a $6 million inheritance."" The point is when the kids are young, when the stakes are lower, let them make their own mistakes.
Then you're there to pick them up.
You don't want to get that call when they're 24 and suddenly they're in debt and they've made bad decisions and they're really in a hole. The new road map ROBIN: There's several ways to expand markets. One is you export and another is to educate your citizens to want more than they need.
And then you've got an infinite way to, you've got an infinite market called the endless willingness of people to buy into the story of more is better and keep buying stuff. So that is the old roadmap.
Growth is good, more is better, game over. The new roadmap says that there is something called enough and enough is not sort of like this oppressive ceiling that okay, I've got enough and I can't have anymore. No, enough is this sort of vibrant vital place. What we teach is an awareness about the flow of money and stuff in your life in light of your true happiness and your sense of purpose and values.
And that you're enough point, having enough, is having everything you want and need to have a life you love and full self-expression with nothing in excess.
It's not minimalism, it's not less is more because sometimes more is more. But it's that sweet spot. It's the Goldilocks point. And so enough for me is like one of the absolute fulcrums between the old roadmap for money and the new roadmap for money..
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How To Save BIG Money On Your Business IT Costs

How To Save BIG Money On Your Business IT Costs
Peter Moriarty: Are you a business owner concerned about the rising costs in your business, or maybe you've got a whole bunch of different tech tools, and they're just starting to spin out of control. In this video, I'm going to cover why you should be consolidating your IT costs and some ideas on how you can do that. If you don't know about us, my name is Peter Moriarty. I'm an IT consultant. And we help small and medium sized business owners with their technology strategy.
And we take businesses through a growth roadmap, which is the different stages of Business and Technology strategies for each different stage. Now, on our channel, you'll find other videos in our playlist about how you can learn about the different stages of business, and some key tips for each one of those. But in this video, we're talking about once your tech tools start to get a bit out of control, how can you start to like rein in some of those costs.
And as you scale as a business, what I've found for myself having grown a multimillion dollar recurring revenue business, and we now have over 50 employees across the business, and like literally 10s of 1000s of people that we support, I found that one of the most important disciplines to learn as a business owner is the discipline of finances. And what that means is actually learning the commercial ins and outs of your business and understanding how things work with everything to do with the numbers.
Now, this is something that often business owners will abdicate or just kind of be afraid of managing, it's the kind of thing that because it's not a core competency, people will push that to the side and kind of leave it to the accountant.
But it's something that's really important to develop as an entrepreneur, for you to grow a successful business. Now, one of my favorite books on this is a book called profit first, and I will drop a link to that down below as well if you're interested in that. And that really sets a bit of a foundation for how you should be thinking about the different way that profits and monies kind of flows through the business. Another one is called big profits.
And I'll link to that one down there as well. So let's talk about ways that you can actually reduce some of the expenses in your business or keep a lid on your IT costs. My first tip is to actually do a credit card cut up. Now, that doesn't mean stop using credit cards altogether, because using a credit card can be great for points, especially if you've got large business expenses, it's a great way to rack up points and you can use them for flights or hotels or other things.
But what I mean is to actually cancel and have your credit card re issued you just call up and let them know you lost it and you want to ask for a new number.
And what happens is all of your it subscriptions will stop working right? And you'll get emails and you know, you start getting a letter from zoom saying, Hey, can you please put a new credit card into your account. And what that does is it forces you to actually investigate every one of your tools that you're paying for right now. And so if you haven't used something in the last six months, and you're unlikely to use it in the next 30 days, probably good time to review and switch that one off. And you're going to progressively do that for each one of the tools that you have.
Now cutting up the credit card is a nice reminder, because it's going to prompt you to check in on each one of those. Now, my number two tip is to reduce the number of users that you have in your accounts, what we found is quite often we'll have people start in a business. And when they leave a business, no one kind of goes around and cleans up the users that are left in different accounts. And so if you've got a Google workspace account, you might be keeping the data of an old user who's left the business rather than actually shutting down and stopping paying for that license.
So one of the things that we do if you're a Google workspace user, and you're a concierge member of our support service, we will actually help you to consolidate all users and to archive their data.
What that means is you actually get a safe and secure inside an account where you can access at any time the historical emails and historical files of someone and Google doesn't give you a solution for that out of the box. So that's a nice little tip. If you're using Google workspace that kind of flows on to my next tip, which is asking, Is it possible for you to share users, if you've got multiple staff in the business and maybe multiple people are working on a customer service type role? Could you potentially share users or if you're using something like Canva, if only one person at a time needs to use the account? Well, why not use a tool like LastPass to securely share the password with different team members.
And then from there, you can have multiple people use the one license.
 
Now, I'm not necessarily advocating that you try and go outside of the terms of use of different online products, like deliberately. But if you can save a few bucks there, by having a couple of people share an account, there might be a smarter way to work rather than paying to license every single user. Now one of the things that we see many business owners who are using Google workspace do is to continue to use I call them double up apps or redundant applications once they've made the switch to Google. And so if you're still using slack as a chat application, when Google has an amazing chat application called Google Chat, or if you're still using Dropbox instead of using Google Drive, or maybe you're using zoom when you could be potentially using Google meet instead.
These are all costs that add up not just for you as a business owner, but also for all of your employees as well. And so I like to do a little bit of an audit of like, Okay, what tools are we using? And could we do these the Google way? Are we still paying for Microsoft Office 365 every year and could we instead use Google format documents inside of Google Drive, which, by the way, now let you edit Microsoft documents for free. So if you're interested in more videos on switching from Microsoft documents over to Google documents, or maybe switching from Dropbox to Google Drive, we've got some more videos on that.
And of course, link them down below for you to check those out.
Now, number five tip is to get rid of your server. For many businesses, I don't know why. But they still have local infrastructure hanging around in their business, either they have like a network harddrive, or they're using someone's PC to share files. Or maybe there's a dedicated server solutions still sitting there.
And they haven't transitioned to cloud apps, or haven't transitioned to using something like Google Drive for all of their files. Now, we know that Google Drive works for terabytes and terabytes of storage. And as long as you configure it correctly, with the right sharing permissions, using the shared drives feature, you can have all of your data protected and secured and available to all of your team members no matter what computer using without having to spend 20, or $30,000 on a service system every three to five years. And so that's my final tip. If you're still a business that's in that era, then have a chat to our team.
And we'll be more than happy to help out with a transition plan to move away from that local infrastructure.
Now, all these tips have been about trying to stop doing things that haphazard way, and consolidate your technology systems so that you can scale. What we know from successful businesses is that they have a simple repeatable process. And they have simple repeatable technology systems that can then allow the business to scale and your technology should really be there to be supporting your team members and empowering your team members to get their jobs done more productively and be able to get their best work done at work.
And so one of the other tools that we use is called cobert CRM.
And what that helps us do is to consolidate our communications, and all of our relationships with different team members. Now, we've produced a number of videos lately on choosing a great CRM system and how important a CRM system is to businesses why it should really be the heart of your business. I'll link those ones down below if you haven't already seen them. But if you haven't had a chat to our team about renewing or reviewing how you're managing your relationships with your customers, with your partners with anyone you're doing a deal with, or just internally tracking your communication with customers in one central location, then maybe it's time to have a chat with our team.
Jump on the offer below and have a chat to our team about copper CRM.
Plenty of great stuff to learn there and I look forward to catching you in the next video..
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Do NOT Build Multiple Streams of Income - Unless...

Do NOT Build Multiple Streams of Income - Unless...
If you're not making enough money in your business right now and you think you're going to be able to  make more through multiple streams of revenue, I hate to break it to you but that's a myth.  I want to talk to you about why it's a myth. I want to talk to you about why you should not be  trying to build multiple streams of income before you're already successful. And I want to talk to  you about what you can do in the meantime to be able to start diversifying your revenue anyway. I’m Tara Wagner, Breakthrough Coach and lifelong entrepreneur.
I help other entrepreneurs to crush  their goals, not their soul by mastering the mindset and the skills that allow them  to think and act like an entrepreneur. If that sounds like your jam hit the thumbs up button,  that helps me out in the algorithm and check out the other videos on my channel after this one. So I know it's a really sexy idea, if you want to make a hundred thousand dollars a year you've  got to have multiple streams of income because if you can't get past 30k or 40k on one stream  then what are you gonna do, right? And this is the biggest, most dangerous myth out there and  it's what keeps most entrepreneurs below six figures and I can only know this for a fact  not only because I’ve learned it and seen it from other people but because I made this  mistake myself.
My very first business when I started 20 years ago was as a massage therapist  and I hit a lid, right?
I couldn't make more than x number of dollars  just working independently and so I decided I need more streams of revenue like let's figure  out how I can build these multiple streams of income that everybody's talking about.  So I went about trying to do just that.
I started contracting other therapists to work with me and  expanded from a one-person show to a company and had multiple therapists. I also started in-home  spa parties I started doing chair massages at events, we were already doing hotel massages,  we were let's see doing chair massages at businesses, oh and I had those spa parties  and I decided to sell the products that I was making because obviously I had this image in  my mind that these products were just gonna be this like best kept secret and people were  gonna share them with everybody and everybody was gonna want them.
And it's such bulls***.
So there's this image in the book Essentialism, if you have not read this you need to read this,  but there's this image that really sums this up. You can either go in 10 different directions and  really end up going nowhere or you can double down on one direction and get really far.  It's really easy to believe that more ideas are required in order to make more money  but it's just not true. More money doesn't come from more ideas, more money comes from  mastering and expanding on one idea.
Until you get it really, really good to the point where you can  pass it off to somebody else on your team and it continues to make money, then moving on and  doing the same thing with a new idea.
It's this this concept of building one bridge at a time,  if you want to cross the river from where you are now to where you want to get from five figures  to six figures you're not going to do that by trying to build 10 bridges across this river,  you're never going to finish any of those bridges. Your time and your resources are so  minimal, they're so spread thin, that you never actually get it completed you end up burning  yourself out.
This was exactly what happened in my business, I was doing 10 million things,  none of them very good, because I didn't understand the underlying mechanisms  that were necessary to master one revenue stream. And that's the real kicker, if you don't have one  revenue stream that is rocking it then you don't have any business trying to do the same thing  in another one because all the problems from that first revenue stream are just going to be doubled,  if not tripled in the next one. You're not just doubling your time by doubling your ideas,  you are quadrupling it because you're increasing the stress with the increase of the problems.
So up until 100k you need to double down on one thing, one idea, one concept maybe you have one  product line, that's okay, right? Maybe you have a couple product lines but you need to be focusing  on one strategy to be able to build those and until those are done and solid, you need to let  go of everything else.
You might need to let go of strategies, you might need to let go of platforms,  you might need to let go of some of the things that you're currently offering. If you have too many offers and you're spreading yourself too thin apply the 80/20 Rule. Which of  these offers are bringing in 80% of your income?
 Let the other ones go, double down on those ones  for a while. Master those, master the sales behind it, master the marketing behind it,  master the strategies behind it, and once it gets really good then start bringing in the next idea  because now you have the skills and the talent and the experience to do the same thing. To duplicate  the success, otherwise you're just going to be duplicating your failures and your stress  and your worries and your doubts and your lack of self-confidence and ultimately, your burnout rate. Now that being said I am still a really big fan of multiple streams of income even  if you're not making 100k because we don't need to put all of our eggs in one basket,  right? It's just not safe, it's not sustainable.
 We want to be diversifying our income so that we  have a little bit more of a security blanket should something happen.
So how do you do this  while still focusing on one bridge at a time?
1. Number one: You take a percentage of every  dollar you earn, even if it's just 1% and you stick that into your own retirement fund. You  pay your future self first.I talked about this in another video on the Money-Making Habits you can  check that out in the link above my head or in the description. It is so crucial that you start doing  this, that you start investing in a retirement fund, and stocks and things that are going to  build up over time.
That you take that money, you ignore it, you pretend like it's no longer there,  you put it into a good investment and you allow that to build. I highly encourage you to do  this from your very first dollar. Yes, you're taking money and investing it in your business  but you want to be taking it and essentially what you're doing is investing it in other  businesses by investing it in the market.
 
This gives you that diversification,  it builds the habit so that over time you make sure you maintain that habit  and you're ultimately going to have those multiple streams of revenue or multiple streams of income  down the road when you really need them.
2. The next thing you can do, in your spare time,  is to do really simple things like tripwires or upsells.This means if you're selling a product  line on your website now maybe on the checkout page you're adding some simple like “do you want  to add this?”, “this would go really well with that”, those sort of things that are completely  passive, right?
We're going for totally passive so that you can focus on your main bridges,  the main things that you're trying to accomplish with your one offer, your one marketing strategy,  and so on.
If you are a service provider or you have an online course or something like that  you've probably seen upsells where you get to the checkout page you order something and then it goes  to another page that says “Hey! Here's this other thing do you want to add it?” You can do the same  thing there, too. You just want to make sure that you're either using something that's already been  created, even if it's imperfect, because you don't need to be spending a lot of time and  energy on this, or that it's something that you can create literally in one afternoon.
It's short,  it's sweet, it's probably an inexpensive add-on but it creates additional passive revenue for you. 
3. Another truly passive option would be things like ad revenue. And this applies  only in certain circumstances, so for instance, this channel, all the videos on this channel have  ads and that creates a passive revenue stream for me. This isn't something that I’m worried about,  it's not something that I focus a lot on, it's not something that I count on, it's just a passive  revenue stream that's gonna get created through things that I’m already doing anyway.
So maybe you  have a blog that you can put ads on, if it doesn't dilute the message or the work that you're doing  on that blog. Maybe you've got a YouTube channel you could put ads on, maybe you've got sponsors  and you can have them sponsor newsletters. Again what you're going for here is something that's  truly passive something that's not going to take any extra time so that you can be putting  all of your mental creative energy into that one bridge that you're building until you master it. And then here's the last thing that I want you to know and this is probably the most important:  when you go to build a new bridge don't just pick an idea that you like, that you think is sexy, and  that you think other people will like. Listen to your audience ask them what they want from you ask  them questions get feedback, if you're not doing that then odds are you're not creating something  that's going to sell.
Or you're creating something that could sell but it kind of misses the mark  because you haven't made sure that it's covering all the bases that they need to be covered.  This is what I did in my business. My clients weren't asking for spa parties and spa products,  I was just saying “oh I could do this, oh here's a new idea” and that's what most entrepreneurs do.  We are idea generating machines but we struggle to follow through on them, in part because there's so  many of them. You are going to get to develop the self-discipline of focus, putting the blinders on  and just focusing on that one bridge at a time.
And then when it's time to build that next bridge  putting your blinders on and focusing just on what your clients or customers are telling you,  literally out of their mouth that they want you to create for them.
When you do  that that next bridge really starts to take off. So again I know this isn't sexy, I know that this  isn't what you want to hear, and I know that this is hard. It is so difficult to choose one idea,  one thing. So what do you choose first?
You choose the one that's closest to cash. You choose the one  that has the most potential.
And potentially, you choose the one that over time you'll be able to  outsource as you grow your team. In other words, you can pass it off to other people who can help  you to do that thing. If you're a service provider you choose your one-on-one services because that  is always closest to cash and then maybe your next bridge is going to be a one-to-many service.
If you're a product-based business you're looking at your products and you're saying  okay which ones are selling the fastest, which ones are selling the most and you're focusing on  really mastering the sales around that one first. It wasn't until I mastered this skill, a focus of  blinders, of choosing one bridge and mastering that bridge, that I finally broke the six-figure  mark and continued to grow from there.
This, by and far, is the most important skill that you  can have. Saying no to yourself when you've got lots of excitement over lots of great ideas. It's  not that you're not going to do them; you just got to remind yourself it's not the right time  yet.
Comment below with patience if you know that that is a character trait that you get to develop  if you want to be successful in your business. And if you found this video helpful give it  a thumbs up that helps me out as well. Check out the other videos on my channel  especially if you're new here and consider subscribing and fist bump in the comments  if you made it to the end of this one. Thanks for watching and I’ll see you in the next one..
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STRANGE Secrets In US Money

STRANGE Secrets In US Money
Where did your money come from? What symbols hide in plain sight on the one dollar bill? Find out as we look at Strange Secrets In US Money. This video is brought to you by the Joe Jillions channel, check out more of our content at the end of this video!
Number 10.Where's George? Dollar bills see such circulation that transactions often take them across the United States and beyond. The journey of American currency is long and full of twists and turns, leading to a curiosity in the public as to where that money's been and where it's at...a curiosity that has since been quenched thanks to website wheresgeorge.com.
By visiting Where's George?, users can input their bill's Serial number to find out where it's been and report their own location to update information. This fun feature is reserved just for one dollar bills, though, and not every bill in circulation has been reported.
Number 9. Peace or Conflict Many symbols appear on the one dollar bill, but few as poetic as the contents filling the eagle's talons on the back right side of the bank note. The pose features the national bird clutching a bundle of arrows and an olive branch in its grip, one in each claw. This image, the Great Seal of the United States, dates back to 1782, and can be seen today on a number of official documents such as passports and embassy placards.It was originally used in currency on the backs of coins, but after 1935, it began to see use on the dollar bill.
The significance of the items in its grip are that they are symbolic of military aggression and diplomatic negotiation, two powers at odds with one another and yet wielded by the same entity. The eagle, in this instance, symbolizes Congress and its power to implement both.
Number 8. Lucky 13 The number thirteen typically has a negative connotation due to its superstitious relation to bad luck. Beliefs revolving around the unlucky numeral run so deep that hotels often avoid owning a thirteenth floor or even a room thirteen.
So it might seem worrisome when examining a one dollar bill as this number appears consistently on the bank note in a variety of ways. You can find it all over the Great Seal, with olive branch leaves, olive branch fruits, arrows, bars on the shield, and stars over the eagle all totaling thirteen. The iconic pyramid on the back of the bill has thirteen steps and even the two latin phrases on the dollar, "E Pluribus Unum" and "Annuit Coeptis", both feature thirteen letters! This doesn't mean your one dollar bills are cursed though as the reason for this number stretches back to the very beginning of United States when the country began as thirteen colonies.
Number 7.Folded Messages Symbols decorate U.S.Currency entirely, with emblems of patriotism and historical significance making their way onto every inch of a bill's surface. But some concealed messages require a bit more thinking outside the box. Examining the various bills found in America reveals a somewhat wide array of phrases and words featured on the money.
One artist has turned this opportunity into a form of expression, contorting, twisting, and folding bills to create nearly whatever phrase he wants. Iconic lines like "Nothing to Fear", "Resistance is Futile" and "Don't Tread On Me" make up Dan Tague's catalog. As an artist, Tague draws on current events, politics, famous slogans, and popular music for inspiration to craft messages that reflect America from the very fuel that drives it. His work can be found on public display at exhibitions and collections around the world, as well as online for purchase. But just because he's an expert at the technique doesn't mean you can't try this yourself at home.With all the possibilities, you may even find a new folded phrase entirely.
Number 6. Roman Numerals & Latin Language While much of American history has been told through the portrayal of English-speaking forefathers, much of the symbolism found on government property like architecture, documents, seals, and elsewhere features Latin phrases and Roman numbering. For example, under the unfinished pyramid on the back of the dollar bill are the roman numerals MDCCLXXVI, which translate to 1776, the birth date of America. The Latin mottos adorning the bill represent the righteousness and fateful path of the United States since its inception.
The pyramid features two statements: "Annuit Coeptis" and "Novus Ordo Seclorum", which roughly translate to "God has favored our undertaking" and "a New World Order" respectively. Then, along the eagle's banner in the Great Seal, the phrase "E Pluribus Unum" speaks to the unity of the country with the statement "out of many, one". As a republic, many of the nation's principles derive from the Roman republic, and as such, the use of Latin and Roman symbols pays homage to America's predecessors...along with giving the presentation a bit more prestige.
Number 5. Federal Reserve America's money is produced in the Federal Reserve, which is America's central banking system. Individual Federal Reserve Banks can be found across the country, with twelve in total occupying distinct regions of the nation. These Federal banks reside in the following cities, from East to West coast: Boston, New York City, Philadelphia, Cleveland, Richmond, Atlanta, Chicago, St.
 
Louis, Minneapolis, Kansas City, Dallas, and San Francisco. These locations collectively print billions of notes a year, and perhaps surprisingly, each one is printed with a specific indicator of their origin city. That means no matter which of the individual notes you might receive, you'll always be able to figure out the bank that produced it and it's as simple as knowing your A-B-Cs! Lettered A1 through L12, these designations can be found on the face of each bill, whether one dollar or one hundred.
They each correspond to one of the Federal Reserve's banks, beginning from the East coast heading West.
Number 4. Faces & Forms Some of the secrecy revolving around the design of U.S. money comes from the shapes, forms, and oddities seen when deeply scrutinizing the bill's surface. Each bill contains a net-like pattern tracing the outside of the bill in a three-dimensional form, and the intricacies of its structure have lead many to find hidden forms in plain sight.
One such symbol is the Maltese Cross, an emblem associated with the chivalric order of the Knights of Malta. It appears behind the word and number one in the top left corner of the back of a single bill. This is often tossed up to coincidence by most, but the reach of the organization is still somewhat widespread today, albeit in the name of public service and religious promotion.
Another form seen in the dollar's design is the Hindu goddess Shiva. Near the bottom left side of the back of the bill is a form that vaguely resembles the "Destroyer" deity with her traditional hair in a bun.
But classically, the United States has shown little influence and connection with the Eastern religion, so this one is most likely pure chance. One other popular visual spotted on the one dollar bill is what appears to be a face in the stones of the pyramid. The supposed eyes, mouth, and jawline of the form have caught on with internet users for its strange similarity to the popular "forever alone" meme.
Number 3. Incomplete Pyramid On the reverse side of the dollar bill is the other half of the Great Seal of the United States in the form of the iconic unfinished pyramid.It began to see use with the adoption of the Great Seal in 1782 due to the popularity of "pendant seals" at the time, all of which had two sides.
Stated initially as a symbol of America's assumed "strength and duration", this imagery was plainly inspired by the great pyramids of Egypt. The forefathers of the American Revolution saw themselves as architects of a sort, having laid the foundation for the construction of a great nation. Hence the pyramid left unfinished. But atop this emblematic structure is something in place of a pointed top: The Eye of Providence.
Closely tied to the secret society known as the Freemasons, The Eye of Providence is a Christian depiction of the eye of God, but it has deeper meaning when combined with the Masonry belief that the creator is the Great Architect of the Universe. Add this with the unfinished Pyramid and other architectural metaphors within the symbol and it's easy to see why many take this as a clue of the Freemasons involvement in the origin of the United States.
Number 2. Enigmatic Symbol Much of the layered symbolism on U.S.currency is deep, meaningful, and can be easily traced back to its origin with a little historical knowledge and cryptology know-how.
But one strange symbol that has shown up on the one dollar bill isn't quite as clear-cut as the rest. In the top right corner of the one dollar bill, near the top left corner of the crest surrounding the number 1 is a small form unnoticeable on first glance. But with the help of a magnifying glass, you can get a clearer picture of what appears to either be a spider or an owl, according to most.
An owl could make sense to some, as those who've already bought into the Freemasonry relation would recognize the secret society's commonly used bestial icon.
Others, though, see the spider, especially given how much of the design around the edge of dollar bills bears a resemblance to webbing. But one other hypothesis about this symbol sounds a bit more believable. The web-like design creates little peaks, as can be seen in a couple places at the bottom of the one dollar bill. The very tip of one of these pinnacles is all that sticks out from behind the crest surrounding the number one, thus creating the illusion of a small bird or insect peeking over the ledge!
Number 1.Security Features To safeguard against counterfeiting, the Federal government has equipped individual bills with some security measures that can be easily identified. While most denominations have some means of validating authenticity, the hundred dollar bill has the most protection. It has features such as a 3D ribbon woven into the paper from front to back, a portrait watermark of Benjamin Franklin, color shifting ink, raised print lettering, and a security thread that runs through the bill that turns visibly pink in UV light.
Comparatively, the one dollar bill has nearly zero security measures, though the cost to make a counterfeit would in most cases outweigh its worth! If you liked the video please give it a thumbs up and then check out this other video over on the Joe Jillions channel. https://elacmoneybasy.es/icee
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