In this episode, Phil challenges a mindset he has been trained to believe his entire life. "If you don't have anything nice to say, then don't say anything at all."
\nHe also discusses how important it is to know the rules of the game in order to be able to play and how this applies to important topics like finances and relying on people with titles like "financial advisor", "counsellor", etc.
\nLastly, he will discuss how prevalent the adolescent, "high school" mindset is among full grown adults and how important it is to take responsibility for every area of your life and ultimately "grow up".
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\nSoundtrack Credit: Hot Coffee \u2013 Patrick Patrikios