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Ep.208 Lifestyle Creep: Why Earning More Won’t Make You Rich
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Lifestyle Creep: Why a Bigger Paycheck Won’t Make You Wealthy
You get a raise—
and suddenly, the $4 coffee becomes $7,
the Honda becomes a Tesla,
and somehow… you’re still stressed about money.
That’s lifestyle creep—when your spending grows as fast as your income.
Here’s the hard truth:
If you don’t manage $5K/month well,
you won’t magically manage $50K/month either.
💡 The fix? Design your rich life first.
Then scale intentionally as your income grows.
Try this formula:
- 10% to investing 🧠
- 10% to freedom (debt payoff, savings) 💸
- 5% to guilt-free spending ☕
- The rest? Live on it like nothing changed.
Wealth doesn’t come from earning more.
It comes from keeping more—on purpose.
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