Saving is Not Optional - It's a Bill you Owe Yourself

Hey you,
Today's topic is all about a mindset shift that separates "I'm trying" from "I'm thriving". 

If you want to build actual wealth, you need to treat savings and investment as a non-negotiable bill. 

Same way you wouldn't "forget" to pay your WiFi or the electricity bill, you shouldn't be forgetting to pay yourself first.

Here's the Trap most people fall into:

  • Money comes in, right
  • Spend on bills, food, outings, etc.
  • Then save "whatever's left". Spoiler Alert: Is there ever anything left really? Because life 😔😒

The MiFi way (obviously the smarter way)

  • Money comes in
  • Immediately set aside money for Savings and Investment.
  • Then you can vibe with life...responsibly.
Treat savings and investment as an expense you owe yourself. Because future you is depending on current you to stop playing.

So, How much should you save?

Honestly speaking, Start with what works for you and one that's doable:
  • 10% if you're chilling and it's not that serious 
  • 20% if you're serious and looking fo lock in.
  • 30% + if you're on demon time and trying to retire early and create that generational wealth
To be honest, even 5% is better than zero.

Real talk tho:

Saving first means you are building something (a bigger bag) instead of being 45 and remembering why you hadn't put aside the money you used for clubbing that one weekend when you were 29. I don't mean don't have fun, just have fun responsibly.

We're trying to secure a soft life for the future us too you know. It's not all about the present us.

Next up?
We'll talk about where to actually put the money you're saving so it's working for you and not just being in a  account withering away.

Catch you soon,
Your WalletWhisperer💅📈

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