It needs:

• Getting comfortable not knowing the “right” answers.
• Changing how you talk about money and how you use money.
• Pay transparency — with your friends, communities and colleagues, and in job descriptions.
• Seeing and acknowledging your privilege.
• Re...

The emphasis of budget culture is on individual responsibility and insisting that you can ignore access and privilege in our world. It condemns and oppresses anyone who doesn't live up to the ideal.

• However, the system isn’t designed for upward mobility. Ramsey’s famou...

The budget culture is the damaging set of beliefs around money that rewards restriction and deprivation and promotes an unhealthy and fantastical ideal of financial success.

Budget culture sees measures like credit scores and debt as signifiers of financial health and presc...

Dave Ramsey's show encouraged people who'd been conditioned not to pursue wealth to now indulge in the fantasy of being rich. A perpetual brief is that a better life is within your grasp if you can manage your money right.

Other budding financial experts dropped Ramsey's re...

Before Ramsey’s call-in talk show, financial advice was mainly for people who were already wealthy. It assumed people with credit card debt who lived from paycheck to paycheck didn’t care about financial education.

Ramsey began speaking to a handpicked group of people that ...

“To find out if she really loved me, I hooked her up to a lie detector. And just as I suspected, my machine was broken.
”

-Dark Jar Tin Zoo

Of course, none of us want to be lied to. But it's important to remember that people are uneasy with certain questions due to personal embarrassment, or because they are extremely dependent on the outcome of the conversation.

If you're puzzled by a response, explore with follow-up questions...

Don't get me wrong, there are genuinely nice people in the world. But watch out if someone is trying too hard to make a good impression.

Agreeing with all of your opinions, constantly offering praise, and laughing at all of your jokes are signs that one lacks authenticity and sincerity.

Truthful people tend to add details and remember more facts as they repeat their story. Liars, on the other hand, memorize their stories and try to keep them the same. (If they add details, they often don't add up.) If you suspect someone is being deceptive, ask the person to recall events backwa...

A subtle change in a person's deportment can be a strong sign of deception.

Be careful if a person:

·       exhibits lapses in memory at critical times (despite being alert in earlier conversation);

·       answers questions with very short answers, refusing to provide details;

"No" is a key word to observe if you suspect someone is trying to mislead you.

A person is often demonstrating deceptive behavior when they:

·       say "no" and look in a different direction;

·       say "no" and close their eyes;

·       say "no" after hesitating;

...

Liars tend to speak more than truthful people in an attempt to sound legitimate and win over their audience. They will also use more complex sentences to hide the truth.

A deceptive person will try to anticipate your questions, so that their answers sound instinctive and natural. They may even practice answering specific questions ahead of time.

Ask them something they don't expect, and they'll stumble.

Come across as empathetic in conversation, and you'll get the person to open up more than when you are cold and accusatory.

23 years in the FBI taught Agent LaRae Quy how to spot deception when it counts.

I hope you’ve found this helpful book. Remember that the Internet is a tool, not a magic wand. It can help you find inspiration and feedback, but you still have to do the work yourself — and the best part about that is that it’s enjoyable! So get started now. You don’t need permission or an audie...

In the end, you want to take a look at your work and ask yourself: “Is this original?” If you have only copied another artist, it’s not original. But if you’ve taken ideas and added your spin to them, then it is.

Every artist knows that creativity is removing the unnecessary and that great art comes from the ability to make judgments. It’s essential to discern what is good and what isn’t, what works and what doesn’t — and then throw out everything in between. This process is called editing (or “subtractio...

Being nice can help you get ahead in life. People fail because they're not friendly, not because they're not talented or smart. Being kind will help you make a name for yourself as an artist much faster than being a jerk.

Kindness has many benefits:

Being nice helps you make friends w...

“Some cause happiness wherever they go; others whenever they go.”

-Oscar Wilde

“Yes: I am a dreamer. For a dreamer is one who can only find his way by moonlight, and his punishment is that he sees the dawn before the rest of the world.”

-Oscar Wilde

We work, learn, live, and communicate differently because of the Internet. We're rethinking. Digital culture and technological progress have boosted creativity.

“Women are meant to be loved, not to be understood.”

-Oscar Wilde

The second part is more important. To create something meaningful, you must share it. Sharing doesn't just mean posting on your blog or Twitter feed; it means listening to feedback and making changes, finding your voice by learning from others and finding the right audience for your work (or some...

“To live is the rarest thing in the world. Most people exist, that is all.”

-Oscar Wilde

Stop waiting for others to create what you want to do yourself. Write a book you'd enjoy. Make your own movie. Make a song that moves you or play an online game until it becomes part of your life (and then share it with others). Humans are prone to complacency and habituation. Still, let's be ope...

“The truth is rarely pure and never simple.”

-Oscar Wilde

Don't wait until you know yourself to start being successful. Without action and new experiences, you won't know your purpose. You don't need a plan to create art, but you must begin.

Austin Kleon says, "Waiting for inspiration is like waiting for raindrops on roses and whiskers on kittens....

“There are only two tragedies in life: one is not getting what one wants, and the other is getting it.”

-Oscar Wilde

Creativity is silly. Artists must remember that creativity is play. It's not a serious business. Artists should be creative and enjoy themselves. You should approach every project with the mindset of having fun and enjoying yourself. If something isn't working out or your audience isn't respondin...

“The public have an insatiable curiosity to know everything, except what is worth knowing.”

-Oscar Wilde

Originality is overrated. Every great artist and writer has been influenced by others. Which takes longer: creating an original idea or building on existing ones?

Never be afraid to be inspired by others' work. You can only copy those who encourage you. Instead of "stealing" their ideas, us...

“The most terrible thing about it is not that it breaks one’s heart—hearts are made to be broken—but that it turns one’s heart to stone.”

-Oscar Wilde

“No good deed goes unpunished.”

-Oscar Wilde

This book emphasises that you don't need to be a genius or expert to be creative and that creativity isn't just making something new. Picasso stole other artists' work, and Steve Jobs copied Sony's Walkman to create the iPod.

He says you have plenty of good ideas, but you need to find them....

“I think God, in creating man, somewhat overestimated his ability.”

-Oscar Wilde

Creativity isn't a rare magical spark. Even those without natural talent can learn it. It's important in any industry, not just art and design. Creativity takes time and effort but pays off. Austin Kleon (author of several books) shows how to be creative by borrowing idea...

“I like men who have a future and women who have a past.”

-Oscar Wilde

“Children begin by loving their parents; as they grow older they judge them; sometimes they forgive them.”

-Oscar Wilde

“Be yourself; everyone else is already taken.”

-Oscar Wilde