money problems

A lot of people seem to think that having money problems means they’re not making enough. Sometimes that’s true, but a lot of it really comes down to habits. I’ve seen people making decent money who are still constantly broke because the second they get bread; they forget how to act.

A few impulsive buys, eating out way more than usual, buying stuff they don’t need, going to overpriced places, going out almost every day, Uber everywhere, takeaways every night, bottle service at the club… then suddenly the rest of the month they’re living in survival mode. The funny thing is, that survival period proves they can live on less. If they kept that same energy from the start, they’d probably stack way more.

More money alone won’t fix everything. It helps, obviously, but it doesn’t fix terrible discipline. Whether they were on 20k or 100k, if the habits stay the same, the outcome usually does too. The spending just scales up with the income.

And even saving doesn’t mean much if they keep dipping into it every time something catches their eye. At that point it’s not really savings, it’s just spending with extra steps....

At the end of the day, habits decide how money moves in their life. More income can build stability, or it can just give them more room to overspend. And if the habits aren’t good, more money sometimes brings more stress.