Not enough, and afraid to spend: from financial low point to peace of mind (with Sandy Rabbit, part 1)

About this episode

Many people think managing money means saving more, earning higher returns and finding better investments. But in this episode, we want to talk about something more important: real money management is about regaining your sense of financial security.

In this episode, my guest is Sandy Rabbit (珊迪兔), creator of the actuarial mom's household budget blog (精算媽咪的家計簿), sharing her new book on deserving a good life (值得過上好日子).

In part one, we talk about several key ideas: How Sandy Rabbit turned her life around after a financial low point in 2014 Why family finances should manage risk first, before chasing high returns From negative to positive cash flow: how tracking expenses and budgeting became a turning point in life Money isn't a tool for chasing anxiety; it's a tool for living the way you want Why insecurity, a sense of scarcity and comparison affect our financial decisions How mindfulness and moving meditation help us steady our emotions and make better money choices

If you've ever felt: "I have money, but it still never feels like enough." "I want to live well, but I'm afraid to spend." "I work hard to earn, but anxiety is always pushing me along." then this episode will help you rethink: the purpose of managing money isn't just to build assets, but to let yourself deserve a good life.

The episode is in Mandarin Chinese. These notes are translated from my original show notes.