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How to Recover Financially After Coronavirus Pandemic

We have been in a, pandemic, situation for over 15 months now. Many of you who are reading this blog, have experienced some, personal finance, problems. We know that Amazon, Walmart, Google and all those big brands actually made millions of dollars and were very profitable during this, pandemic.

But, it is a fact that ordinary people like you and me had some struggles. Financial planner, Michelle Arpin Begina is going to share with us how to change our, money mindset, by paying attention to your, money story.  Your, money story, shows up in good times and bad times. So, keep reading to understand how your, money mindset, affected whether you thrived in this, pandemic, or just survived.

Listen to the full interview:

 

Your Money Story

This is the time to really get curious and ask yourself, What is my, money story? Go back and trace the roots of your, money story, and experiences?

Similarly, ask yourself as an adult, What did I hear growing up about, money? What did I take away from the big financial moments of my life? What were some of the behaviors that I observed from other people or my parents, that influence my, personal finance, now?

  • Did you become a consumer or did you become a miser?
  • Did your parents tell you all the time ” Money does not grow on trees”
  • or ‘Money is the root of all evil”

Those messages are a part of my, money story.

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Your Parents Money Story

Michelle: I remember growing up watching my parents and saying to myself two things:

  • If only they could get their, personal finance, act together, because they had all the ingredients to have everything they wanted. We all have it within us.
  • The second thing I said was: this is not going to be me. But, as it turned out. When I first got started out, I started following their footsteps.

Myrna: Oh! You became a, consumer, too?

Michelle: I did! I bought the new car when I was 19, while I was paying my own tuition and rent. So, I lived with that feeling of financial insecurity. I kept it going with, personal finance, problems well into my 30s and then I turned it around.

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How to Thrive after the Coronavirus Pandemic

Myrna: What is the, personal finance, lesson that you want to share with us, that can help the people who are barely surviving?

Michelle: I can say that it's not just about the, consumers,  and the savers, but there's probably more depth to thriving than that. We have to go into some biology.

Myrna: So, let's take a deep dive into biology of the, money mindset.

Michelle: Alright! We've got to cut slack for the, consumers, and the savers. Putting away money for a rainy day, could turn someone into a tight wad, where they are not enjoying their, money. There are so many different translations that can happen from what we take in as a child and that forms our, money story.

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Become friends with your future self. 

Let's talk about flourishing for a second. We are hardwired to live in the moment, because we are psychologically distant from Michelle 10.0.

We are not friends with our future self. Michelle 10.0 or Myrna 10.0, is not our relative. We don't feel this connection with her today, so we can't help it. This is who we are as people, this is our biology. It's very difficult to handle, money, outside of what our needs or wishes or even impulses are in the moment.

What we need to do is recognize this. When the 401K rep comes in, when you don't have two dimes to rub together and say if you put away the maximum amount in this account, you'll be a billionaire by the time you're 65. When you were 22, it's going to go in one ear and out the other. You tell the 401K rep, I can't even afford lunch! A 22 year old has no relationship with her 65 year old self.

Myrna: You hit the nail right in the head. I was just saying that people can't save because they have no extras to save.

Most of us have more month than, money!

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Transform Your Money Story to protect your future

Michelle: What we can do to help ourselves and transform our, money story, is to literally create a relationship with your future self. The closer we feel to that person, as if they were really alive today and is our friend, the more that we're going to act in their best interests.

There are so many new little things that we have to accomplish in the day-to-day details to get us to that overarching goal. So, when we're in the moment of the impulses or just choosing between two different things, and we want to maintain, self-control. What actually helps is to create distance in the moment. When we talk to ourselves in the third person, it actually helps us to control our behavior in the moment.

Myrna: I get it like saying

Myrna would never do that, Myrna is going to do is make the choice that is going to really help her in the future.”

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What the Pandemic taught us about our money story

Myrna: Let's get back to the, pandemic. What has the, global pandemic, taught us about, money?

Maybe you're going to be a little different because, money, is your work, and you study it. Did you learn anything new about yourself and your, money beliefs, during the, pandemic, what do you think the global lesson was for us?

Michelle: I‘m a little afraid to answer this question.

Myrna: Let's talk. It's just your opinion.

Michelle: What I‘ve learned during this, pandemic, is a little embarrassing to say out loud is I learned a whole lot more about our systems and just how differently everybody is impacted, was the biggest thing that I witnessed.

Heartbreaking really in many ways and I‘ve discovered is that our systems were not designed to take care of people. Our systems were designed for the efficient management of accounts to obey the laws, rules and regulations. Many people had no, money, in the Bank because they didn't see the need to save or to put something away for the rainy day. This, pandemic, exposed that flaw. 

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The Pandemic changed our money story

Myrna: Do you think that our values have changed, now that the, pandemic, highlighted our, money mindset?

Michelle: That's basically what I was trying to get to as far as, money mindset, and the fallout from our, money story. Maybe their, money mindset, was thatyou get it”, you spend it that kind of thinking. I like to think – I mean it's hard to know on a such a broad level whether it has or hasn't, but I think for someone who was probably scared to their core, there will be a change to their, money mindset.

  • If they lost jobs or clients,
  • Were not able to continue to work or couldn't pay their rent or mortgage. Their, money mindset, will shift to saving for a rainy day.

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We've heard so many different things happened. The income that I was relying on to make my month is evaporated or it's down etc., but to me, it really is that, fight or flight, or life or death kind of an experience. On the other hand, we may want to totally push that out of our mind because it was such  an awful experience.  

I think for a lot of people who maybe saw, for the first time, at their own hand, how perilous their situation could become. I think those people have probably changed their, money mindset.

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What's your success formula to change money mindset

Myrna: Great!!! You're a financial planner. Do you want to share your, success formula, or how you help your clients to develop a relationship with their future self and change their, money mindset?

Michelle: What a, financial planner, does is to help you with, personal finance such as:

  • Plan for the rainy day,
  • Put away for retirement,
  • Save to buy a house,
  • You plan for vacations.

Myrna: That's what you guys do, right? I understand you have a, success formula, can you share that? Like thinking about what resources did you bring to the table not just with, personal finance, but who did you know, what did you know etc..

Michelle: The, success formula, can be called your superpowers. We use the word superpower so much, but what part of you is special and unique? What do you bring to the table in every single one of your successes? We use that information to develop hope, optimism and resiliency.

What superpowers did you use to pull those things in when times when facing difficulty or you faced a challenge. How did you react when there was an upside surprise?

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All of those traits that I just described, in whatever way someone uses them, it's so cool. I mean we've all got a special factor that's so different from one another. If you just look at your own and you start picking it apart, you can see how I can pull on this thread when it comes to my money.

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Your money superpowers is your success formula

It's about figuring out what's effective so that's like the part of the expanded version of, personal finance. Financial Literacy, is what I would call it which is really kind of recognizing that we have a psychology and biology around in our brains and body around our, money. It's not just understanding markets or investing or good sound, financial planning, or, risk management, or all of those things which are important, but it's about your strengths.

Looking at the big picture and understanding someone's background, who they are and are not with their, money, what their wishes are, what their values are, of course what the, money, is and then really digging into some of their, money mindset, about what makes them.

Myrna: So, that's the, success formula.

Michelle: Yes, we use what makes you successful in other areas of your life and use the common thread to help you to be successful with your, money.

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The success formula challenge

Myrna: I understand that you have a website or a challenge to help the readers and those watching on TV. That would help them develop their, success formula. You want to talk about that?

Michelle: The best place for people to find me is my website, which is www.michelleab.com. Right on the home page is my, success formula, guide which anyone can download. Other channels that people can as well reach me or connect with me are on LinkedIn,

You can watch the full interview on the Transform Your Mind Podcast YouTube channel.

Also you can tune in at six o'clock Est every Sunday for our Preach the Word Network Television broadcast and of course you can listen in the radio WDJY 99.1 FM Wednesdays at 5p.m.

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Myrna: Thanks again Michelle. Thanks everyone for tuning in and until next time, blessings.

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Additional Resources

Understanding the Rules of Economics and Money

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How to Adapt to New Abnormal after Coronavirus Pandemic

The, coronavirus pandemic, has changed the world forever.  We would never return to the way we used to be, so we now have to adapt to the, new abnormal.

Is really important clearly, we're making some bad decisions around the, coronavirus pandemic, and how we'll recover from it. We are heading into a, new abnormal of, cognitive bias.  These are the  dangerous judgment errors that people are making around the, coronavirus,  pandemic, and their false assumptions of what's going to happen in the, new abnormal, because we'll never go back to before January 2020.

Dr Gleb Tsipursky, disaster avoidance expert, says that he has no crystal ball; but as a behavioral, economic, and, cognitive neuroscientist, his expertise is in recognizing the blind spots in our nature as well as, cognitive bias, that lead us to miss reality and make disastrous errors in our decision making. Find out how you can avoid disaster when the, coronavirus pandemic, is over.

Listen to the full interview Here:

 

Introduction to Cognitive Bias and the Coronavirus Pandemic

These, cognitive bias,  errors are costing lives and ruining livelihoods.  The information shared today will help you keep you safe and enable you to plan for the future in the, new abnormal, after the, coronavirus pandemic.

Myrna – Tell us what made you write the Book: Resilience Adapt and Plan for the New Abnormal of the COVID – 19 Coronavirus Pandemic.

Dr Gleb – I wrote the book after seeing lots of folks make some bad decisions around the, coronavirus pandemic, and their assumptions of what's going to happen after the, coronavirus pandemic.

When I was first investigating the, new abnormal, as a behavioral economist, and, cognitive neuroscientist, risk management expert; I've been various sorts of future forecasting future proofing.  That we address the threats and maximize the opportunities that come to us in the future.

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What I saw was that people were just dismissing, COVID-19, as a disease in the middle of somewhere in Wuhan China.  I started investigating and found Wuhan is a huge city it's 11 million people. It produces over 22 billion dollars in revenue.  It's called the Chicago of China.  Wuhan is a transportation industrial hub with over 200 international flights per day.

It's very well-developed city modern city and the, medical infrastructure, completely collapsed because of the, coronavirus pandemic. When you look at what was happening in January and February 2020, I could forecast the dangers of the, coronavirus pandemic. We are seeing this happen now in India as their, medical unfractured, has completely collapsed.

The Normalcy Bias and the coronavirus pandemic

Is really important clearly, we're making some bad decisions around the, coronavirus pandemic, and how we'll recover from it. We are heading into a, new abnormal. Cognitive biases, the dangerous judgment errors that people are making around the, coronavirus pandemic, and their false assumptions of what's going to happen afterward because we'll never go back to January 2020.

One of the biggest, cognitive biases, that causes us to make bad decisions not simply around the, coronavirus pandemic; but any sort of situation that might result in a major disaster is called the, normalcy bias.   The, normalcy bias, refers to us perceiving that the future will be much like the past.

We're unable to really make good predictions and trend lines, for example, the fiscal crisis of 2008-2009. It was pretty clear that the rising housing prices was going to be unsustainable for houses.  It was it was clear; but people kept buying and then everything crashed.

Because I have this feeling this gut reaction this, normalcy bias, the natural implication or conclusion is that infrastructure without interventions will also be as badly affected as Wuhan and Northern Italy and, medical infrastructure, collapse.

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Myrna – so the, cognitive bias, is what you're saying that people look at the past and normalize the future.

What is Anchoring in the coronavirus pandemic

Dr Gleb – An example of a, cognitive bias, is called, anchoring. Anchoring, refers to looking at what we know about a topic and using that as a filter for all future subsequent information about a topic. The, coronavirus pandemic, started in China in November 2019 and nobody expected it to come this way because, Sars and all the other, coronaviruses, stayed isolated in the African countries.

They did not realize that this, coronavirus pandemic, would cause the collapse of a major modern medical infrastructure and none of these, coronaviruses, were not nearly as infectious as, COVID-19, coronavirus.

So, people were using their past information to judge all future events and this is a, cognitive bias.

Anchoring, causes us to make really bad decisions in a number of areas including the, coronavirus pandemic.  The, normalcy bias, and, anchoring, are all applying to the world after, COVID-19. We anchored we look at the past, coronaviruses, we look at the flu because a lot of people were comparing the, coronavirus pandemic, it to the flu and we made some bad decisions.

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What is the cognitive bias that we need to remove in the New Abnormal?

In order to move forward, we know now that we underestimated, COVID-19, and now there's another strain.  This is a very intelligent virus; it keeps changing a lot.

The first, cognitive bias, we need to remove in the, new abnormal, is called, hyperbolic discounting.  What we tend to do as human beings our intuition, our feelings causes us to be very oriented toward the short term. Toward what's going to happen in the next few moments and discount the importance of the long-term future.

This new strain has collapsed the medical infrastructure in South Africa, Brazil and the United Kingdom.  The latest information is they're more deadly than the current, coronavirus, strains.

The, coronavirus vaccine, are somewhat less effective on these new stains. The effectiveness of the Pfizer, coronavirus vaccine, goes from 90 percent to 70 percent effective. That means this new strain of, coronavirus, will become dominant in the USA sometime by March or April of 2021.

 

How to Prepare for the new dominant strain of coronavirus

  • Get into strict lockdown, because if you get sick with, COVID-19, you will be facing no prospect of getting into a hospital because the hospitals will be full.  Also don't do anything that might be considered dangerous.  Don't go skiing, don't travel, don't use power tools around the house etc.
  • You need to get supplies because there will be supply disruptions of various sorts. People will get into panic buying again. So you want to protect yourself now by securing supplies for yourself and your family.
  • You want to talk to your boss about working from home because this will be a bad time. If you cannot work from home, you should consider looking for another job.

 

Are we immune from the new strain of COVID-19 if we had the first strain?

If you caught the, COVID-19, then you are immune for at least three months.

But you can still catch this new strain of, COVID-19.  There are some cases where people do get re-infected and that depends on their physiology.

How do we adapt to the new normal of, working from home, social distancing, finding love on the internet because all the bars are closed?

What kind of, cognitive bias, do we have to remove?

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Cognitive Bias, the planning fallacy

Dr Gleb – One the, cognitive bias, that I think is really important is called the, planning fallacy.  The, planning fallacy, refers to making plans and expecting the world will go according to our plans.  You've probably heard the phrase failing to plan is planning to fail.

Unfortunately, the, planning fallacy, is the idea that our plans will often not go according to plan; but because of the, planning fallacy, we don't put in enough resources to adapt to a new situation or contingencies risks and problems. We don't pivot our plans nearly as quickly as we should.

So, you want to be aware that your plans for a life after, COVID-19, and getting back to January 2020 is very unlikely to come true because the, coronavirus pandemic, has already impacted our habits our values.  What we care about, and our norms.

We need to get ready for a world that after, COVID-19, will be a bit more virtual, crowds may be uncomfortable, meeting strangers at a bar will be uncomfortable. You will feel anxious around other people.

 

Business will do business different after COVID-19 pandemic

The world will stay virtual for example. Your meeting with your insurance agent will be virtual.

  • Real estate showings will remain virtual,
  • coaching will be virtual.
  • Many service professionals and sales people who are providing therapy or coaching services will remain virtual.

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Tell us about your book Resilience: Adapt and Plan for the New Abnormal of the COVID-19, Coronavirus Pandemic.

My book talks about how businesses, and individuals can adapt to this new abnormal during the last stage of, COVID-19 pandemic. The post recovery, how do you effectively collaborate virtually, for example.

How many people have taken the time to do a course in professional development on how to have effective virtual communication? After, COVID-19, if you are a more effective virtual communicator than other folks you can compete more effectively.

In the book that I talk about how to effectively survive and thrive in the last stage of, COVID-19, and the post recovery in a more virtual world, in a world characterized by more anxiety around interactions, in a world with supply chains disruptions.

How are you going to make sure that your business supply chains are protected?  You need to make a strategic plan for yourself. My book goes for the specific steps on the ways that you go about making a strategic

Plan for yourself as an individual and if you are a business leader within a business or if you're a team leader with a team.

How do listeners get a copy of your book and connect to you?

My book is available in bookstores everywhere.  Readers or listeners can

get in touch with me from my blogs, videos podcasts, articles on my website www.disasteravoidanceexperts.com You can go to disaster avoidanceexperts.com/subscribe for a free eight video based course on making the wisest decisions and managing risks.

For those of you watching on YouTube would love you to subscribe to the channel.

If you're listening on iTunes please subscribe and rate and review the podcast so that we'll be able to reach a wider audience.

I would like to invite you all to join my Facebook group called Lifecoach

we have inspiration messages daily from numerous coaches.

Additional Resources

http://blog.myhelps.us/is-5g-poisoning-coronavirus-symptoms/

Coronavirus: How to Protect Yourself