Here’s the myth that keeps more people broke than almost anything else:
“I’ll get serious about my money when I’m making more.”
It sounds responsible. It sounds like you’re being realistic about where you are. It sounds like the mature thing to say.
It’s not.
It’s a delay tactic dressed up as a plan.
More money doesn’t fix a broken relationship with money
Here’s what actually happens when people start making more:
They spend more. The car gets upgraded. The apartment gets bigger. The dinners get nicer. The lifestyle expands to meet (and usually exceed) the new income.
And the habits? The habits stay exactly the same. Because income went up, but nothing underneath changed.
This is called lifestyle creep, and it’s the reason people can go from making $50,000 a year to $120,000 a year and still feel like they’re barely getting by.
The number in your paycheck doesn’t determine your financial health. The habits and the system you have around that money do.
The gym doesn’t get easier when you’re in better shape...
But you don’t wait until you’re fit to start working out.
You start working out to get fit.
Same logic applies here.
You don’t wait until you have more money to get your finances in order. You get your finances in order so you can actually do something with the money when it comes.
The habits you build right now: tracking, budgeting, saving, and investing are the exact habits that will let you keep the money you make later.
Start now. With what you have. That’s always been the move.
And if you want the tools to do it, the Summer Budget Reset is still open. Full year of Dollarwise, the 4-course bundle, AND the cookbook for just $249 (usually over $700) through May 15.
[Start building the habit here]
But if you still feel $249 is still a little steep, I've got some good news.
Chime is offering my subscribers $200 deposited directly in their account when they sign up HERE and meet the requirements.
That's basically like paying $49 for the Summer Bundle.
Either way, you win.
But only if you play the game.
Taquitos,
Caleb “Stop Waiting and Start Doing” Hammer
P.S. The Summer Budget Reset discount ends May 15th…
So while you still have some time, you and I both know how easy it is to say “I’ll get around to it,” only to end up playing 4 hours of FIFA and passing out on top of a greasy Taco Bell gordita.
(That last part might just be me…)
I digress.
The point is, just like putting off getting serious with your money, if you put off getting the help you need, nothing changes.
You’ll still blow every paycheck, avoid tracking your finances, and get anxious every time rent rolls around.
OR:
You could take action, save 67% on the EXACT blueprint I use to help thousands of people get out of debt and take control of their money, and finally get financially ripped this Summer.
It’s your choice.
Click here and give it some thought.
Just don’t get distracted by the internet.
It’s a scary place.
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