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you're a young man and you've started making decent money from your hustle, business or your job. if you don't want to go broke in the future, there's one important lesson you need to learn early:
there's a big difference btwn being able to buy something and being able to afford it.
having money coming in every month can make it easy to believe that anything with a price tag you can cover is within your means but that's not true.
i remember a young entrepreneur who landed his first major contract. after receiving his payment, he immediately started shopping for expensive clothes, the latest phone and a luxury watch. he could pay for all of them, so he believed he could afford them. few months later, business slowed down. new contracts didn't come in as quickly but his lifestyle stayed the same. the money disappeared faster than he expected and he found himself struggling to cover little basic business expenses.
that experience taught him a lesson he never forgot: just because you can buy something doesn't mean you can afford it
before making a major purchase, ask yourself whether you could comfortably buy it more than once without putting urself under financial pressure. if the answer is no, it is wiser to wait.
today, people ask me, i have $20k, should i buy a car? my first question is always, what kind of car?
if you're planning to spend 16k on a car when your total savings are $20k, you probably can't afford it unless it's an income producing asset such as one used for a ride hailing business or uber, etc. otherwise, you're taking on more expenses. you'll have to pay for fuel, maintenance, repairs, insurance and other running costs.
i know it's exciting when you start making money and you want people to see that your life has changed but slow down.
just cos you can buy something doesn't mean you can afford it. real wealth isn't about proving you've made it. it's about making financial decisions that allow you to keep growing long after the excitement of your first success has passed.
learn, bookmark and share ๐
assets wealthy people invest in;
1. private equity
2. stocks
3. income producing real estate
4. private businesses
5. intellectual property
6. hedge funds and venture capital
7. gold and silver
8. luxury assets
9. cryptocurrency
10. land and natural resources
the middle class focuses on buying things, wealthy people focus on buying ownership and income producing assets.
bookmark and share to someone.
people spend hundreds of dollars every month on subscriptions they barely use. before you renew again, look at cheaper alternatives that can do the job too;
1. netflix โ tubi
2. kindle โ kobo
3. chatgpt โ claude
4. notion โ obsidian
5. spotify โ jango
6. canva โ figma
7. photoshop โ photopea
8. grammarly โ languagetool
9. microsoft office โ libreoffice
10. apple music โ demus
11. gmail โ proton mail
12. figma โ penpot
13. midjourney โ flux
14. disney+ โ tubi
15. gemini โ mistral
16. hulu โ pluto tv
most people will keep paying without thinking, a few will save themselves hundreds every year. buena suerte ๐
you have to be very careful with people who've lost their parents, siblings or children.
let me explain clearly why:
when someone goes through that level of pain, they start seeing life completely differently from how they once did. they don't tolerate fake energy anymore and they don't play about their peace because they've already buried pieces of themselves.
losing someone that close shifts something deep inside and the person they used to be doesn't really exist anymore.
they move differently, love differently and even the way they smile carries a weight most people won't understand. they value real connections more because they understand how quickly everything can be taken away.
time passes but that kind of loss never fully leaves.
it becomes something they silently carry every day. that's why they protect their energy more fiercely cos they know what it feels like to lose pieces of themselves. if you truly understand this, share it with someone else. buena suerte ๐
you might need these hacks:
1. when in an open space, remember the invisible guest theory
2. visit the apartment at night, not during the day before renting
3. when gas is available, refill your tank
4. stay busy in shared spaces
5. keep one serious outfit ready at all times
6. always carry some cash with you even when you don't need to spend
7. if you want to multiply your wealth fast, be selfish like the devil
8. in group arguments, listen more than you speak
9. first month in a new place, be friendly. after that, be selective
10. when you start making good money, keep liquid cash at home
11. when selling stuff, let the seller bid first
bookmark this and share it with someone who'll thank you later, buena suerte ๐
every woman dating a struggling man carries a silent deadline in her mind for when she expects his story to change. sheโll never say it while youโre building but once that timeline expires and thereโs still no significant breakthrough, that patient and understanding girlfriend begins to voice out her frustrations or starts checking out emotionally.
men, here are 6 things you must cut off to succeed, pay attention.
1. cut off the habit of chasing women; not women themselves but the habit. it quietly drains your time, money, focus and direction while your entertaining distractions, others are building their empires.
2. cut off procrastination; every iโll do it later eventually turns to i wish i started earlier so what you delay today becomes the obstacle that defeats you tomorrow.
3. cut off the negative mindset; doubt is a quiet killer. if you already believe youโll fail, you donโt need an enemy, you become your own.
4. cut off laziness; idleness doesnโt pay bills. dreams without effort die in silence while you sleep on your potentials someone else is awake grinding and striving so he can thrive later in success
5. cut off vices; addiction is just a slow self-destruction. if you donโt control your habits, your habits will eventually control your life.
6. cut off complacency; comfort is where potential goes to sleep. the moment you stop growing, you start declining.
what most men learn too late is that; a disciplined man is not ruled by pleasure, he is driven by purpose and success doesnโt come from adding more, it comes from removing what holds you back...
if these 6 things stays in place, they donโt just slow you down, they also dismantle ur progress so detach, buena suerte. ๐
i am patient, disciplined and impossible to distract from my purpose. every decision i make today moves me closer to financial freedom, mastery and the life i envisioned. i trust my preparation, i embrace challenges and i remain calm under pressure. i do not chase opportunities cos i become the kind of person opportunities chase. so today, i execute with precision, think with clarity and win with consistency.
i affirm ๐ฑ
learn this art; ctrl + alt + del
ctrl - control yourself
alt - alter your thinking
del - delete negativity
master that and you reset your life anytime you want
pay solid attention;
an average ceo is 57 not 30
an average millionaire is 40 not 23
an average billionaire is 55 not 35
an average successful business takes 5-7 yrs not 6 months
the average age to buy a house is 35 not 25
it takes the average person 66 days to build a habit not 7
most men hit their peak confidence at 32 not in their 20s
most people meet their life partner after 27 not 18
most people donโt know what they want until theyโre 30 not at graduation
stop letting social media rush you. you are not behind, you are just early in your own timeline so live it brother. โค๏ธ
brother never take a woman for free; it is NEVER free else you are bringing an unseen curse upon urself. look, there is always a cost, you just wonโt see it until it starts draining you.
walk with me and pay attention;
if a woman submits or give you herself and you take or sleep without giving anything back, you are not winning, you are borrowing and everything borrowed gets reclaimed with interest. donโt deceive yourself, iโm not talking about the literal paying for prostitution, lol you already know what you are.
bringing a woman into your space, your bed, your life without honor or any exchange creates an imbalance and that imbalance will rot something in you slowly and quietly then all at once.
a womanโs body is her pride and her value that is why there is a price tied to it called bride price not just money but intention, commitment and sacrifice & that is where the blessing hides. anything taken cheaply carries no blessing only consequences. they say, who finds a wife finds a good thing and obtains favor from God but favor does not come to the one who cuts corners, it begins the moment you honor the process. delay it and watch how everything in your life begins to stall with it.
nothing is free esp not what looks like it is, learn something. buena suerte ๐