Here we are again, the start of a new year. A clean slate, a blank canvas. It’s beautiful. Perhaps you’ve made resolutions for how things will be different in 2024, with a level of determination like you’ve never felt before. I only know that because I know myself. For years, I resolved at the start of every year to get out of debt, get our finances figured out and get on with becoming super wealthy. And that’s about as far as it went — big dreams.
I hate to be the one to throw a cold blanket on your dreams, but if you’re holding out for the life you love to materialize as soon as a boatload drops in your lap, don’t count on that.
You may believe with all your heart that winning the lottery or landing a big and unexpected inheritance will make your life perfect. You may feel the hype that getting in on the ground floor of the latest and greatest multilevel marketing opportunity will make you rich overnight.
Look, if you can figure out how to get that kind of money and magically turn your life around, good for you. But if you think cash alone will give you the life you love, forget it. No matter how much of it flows through your life, money alone will not automatically materialize into the life you love.
More money will only magnify your current situation because you will continue to manage it the way you handle it now. More money will put you deeper into debt if you’re in debt. If there’s never any money left at the end of the month, more money will not change that because your spending habits will escalate to accommodate the higher income. How can that be? Because you will use it as a down payment on something bigger, better and even more opulent. Or you’ll spend your brains out even faster than you do now. Money will not change your behavior. Only you can do that.
At my worst, when my husband was making a fabulous salary (which I could always outspend), I didn’t see a $5,000 annual raise as money that could make our lives better. I saw it as…
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