Discipline of Doing
The work is real. So is the reward. Discipline of Doing is a podcast for young adults who want more out of life—and are ready to take action to get it. Hosted by Braxton and Cyrus, we cover personal development, mental health, fitness, financial growth, and everything in between.
Each episode is packed with real-world strategies, honest conversations, and practical habits to help you build discipline, create momentum, and actually follow through on your goals.
We’re not gurus. We’re in the trenches with you—figuring it out and sharing what actually works.
Subscribe for two weekly episodes that challenge, motivate, and equip you to take consistent action toward your goals.
Discipline of Doing
#002 - 10 Financial Mistakes You’ll Regret in Your 20s
In this episode of Discipline of Doing, we break down ten common financial mistakes that many people make in their 20s—and how you can avoid them to set yourself up for long-term success.
We’ll share practical tips and lessons from our own experiences to ensure you’re building a strong foundation for financial independence. From bad spending habits to overlooking investments, this episode is a must-listen for anyone looking to make smarter money decisions in their 20s.
0:00 “In this economy…”
3:03 Track Your Expenses – why awareness beats guessing
5:14 The 50 / 30 / 20 budget rule in real life
10:12 Earning power over perfect spreadsheets
11:54 Lifestyle‑inflation creep & early discipline
14:54 Handling critics & social pressure while you build
18:18 Delaying Investing – start sooner than later
22:30 “Want it bad enough” – finding that extra $100 / month
26:15 What hard actually feels like (friends, choices)
27:30 Free money: 401(k) matches & the compounding edge
30:05 Roth IRA math – the $1.8 M illustration
33:17 Rich young vs rich old – the trade‑off debate
37:44 Commit to “living broke” (rent & car mindset)
41:30 Rent rule: keep housing below 30 % of income
45:16 Cars: the 20 / 3 / 8 guideline & avoiding $600 notes
50:59 Taxes, emergency funds & getting professional help
56:59 Multiple income streams & side‑hustle leverage
59:58 Credit cards: tool, not paycheck advance
1:03:31 Building credit safely (the first $500 limit story)
1:08:00 Automate everything – pay yourself first
1:14:19 Goal‑setting & “checking the scoreboard”
1:17:12 Quick‑start action plan for 2025
1:18:45 Outro – take your finances seriously
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