You know you should “get your finances together,” but between bills, random expenses, and that sneaky DoorDash habit, it feels impossible. Here’s the secret: financial freedom isn’t about being perfect—it’s about being slightly less broke than last month.
Stop Waiting for “Someday”
My cousin kept saying he’d start saving “when he got a better job.” Five years later, he’s still at the same gig—just with more debt. Meanwhile, my barista friend started putting $20/week in a “don’t touch this” account and now has a down payment for a food truck.
Today’s assignment (seriously, do this now):
- Open your banking app
- Set up a $25 auto-transfer to savings every payday
- Forget about it
Congrats—you’re now someone who saves money.
The Magic of “Boring Money”
You want the truth? Wealthy people aren’t doing anything sexy with their cash. They’re just consistent.
- My neighbor pays an extra $100 on her student loans every month (will save $14k in interest)
- The guy at my gym rounds up every purchase to the nearest dollar (has $3,200 in “found money”)
- I automate 10% of every freelance check to a separate account (bought a rental property last year)
Pro move: Treat savings like a bill you pay yourself first. Not what’s left over—because we all know what’s left over: $0.
Your Money Story is Yours to Rewrite
Remember when you swore you’d stop buying $8 coffees? Yeah, me neither. But here’s what works:
- Name your “why” (Mine: “I want to work less and travel more”)
- Track spending for 2 weeks (You’ll find your real money leaks)
- Pick ONE thing to fix (Eating out? Subscriptions? Impulse Target runs?)
My friend visualized her debt as a monster under her bed. Every payment was “chopping off its limbs.” Dramatic? Yes. Effective? She’s debt-free.
The Only Math That Matters
You don’t need to be a spreadsheet wizard. Just understand:
- Small amounts x time = shocking results ($100/month at 7% = $50k in 20 years)
- Debt is a hole—stop digging first (No more saving while carrying 22% credit card debt)
- Your future self will high-five you (That 401(k) you ignore? It’s future you’s margarita fund)
Start Here (No Perfect Plan Needed)
- Open a second checking account (Name it “Bills Only”)
- Cancel one subscription (You won’t miss it)
- Text a money-accountable friend (“Hey, let’s check in next month”)
Money isn’t about deprivation—it’s about options. The kind that let you walk away from crap jobs, take vacations without guilt, and sleep better at night.
Your breakthrough starts the moment you stop waiting for it to start. Now go move some money around—I’ll wait.