In the book Cheaper By the Dozen, the father was an efficieny expert. He would go into a factory and ask to see the laziest guy (that got his work done). Inevitably the ‘lazy’ guy had used efficient techniques that saved him time and effort. So when you think about lazy, you have to think about lazy in the context of whether or not they are achieving their financial goals in an easy efficient manner or are they just too lazy to care about financial goals. I would love to watch the efficient lazy person and see how they do. Many financial things can be but on automatic pilot which frees us up to find more things to do to save on automatic pilot.

Confusion + people + laziness = profit for others

And I’d like to add that another great book is “The Richest Man in Babylon” by George S Clason. A very easy to read book on wealth and finance, told through parabals.

An hour or two of financial education is very empowering.

Sometimes going to a bank too often for depositing checks or smaller amounts can cost you more in gas than what you are losing in interest. I arrange my errands so that I can shop and deposit any checks in the same trip.

I arrange my money in the largest amounts to the smallest and add the interest rate beside it. There are cases where you have cash money at home that isn’t earning interest. I see if I can’t move the money around to get the best rates.

Brand loyalty is a large part of it too. Other things factor into peoples’ equations, such as customer service, location, etc., that it’s hard to place a dollar value on. To people like us, cost is key, but that’s not always the case.