Making Money is not the solution to Your Financial Problems
Can the Big Easy Trap cause You to Be broke if you’re already earning More than You can afford?
Photo by Andre Taissin On Unsplash
Why Do You Feel shattered No Matter How Much money You Earn?
While socializing with friends, the focus shifted to money, which can be difficult to maintain due to its effects on individuals and their financial status
Despite having decent salaries, many of them acknowledged that their savings were embarrassingly low. The response to my suggestion that individuals should start investing if they are not interested in starting their own business was almost always the same: “I have no money to invest!”
I’m curious about what’s going on in this group. Do they seem to be earning less Or saving more? After deeper conversations, it became apparent that they were all following a financial mantra that was highly inaccurate and deceptive:
“The goal is to make money, not to save it.”
Initially, this seems reasonable. When starting out in your career, your active income surpasses any slow-growing savings. Is it possible to save money without having any income?
If you neglect to develop saving habits, you’ll end up in an unending cycle of debt Earning more, spending more Your financial condition will never improve
Making Money vs. To save money, You require Both hands
To be honest, I never imagined that I would need to write an article on such a topic Basic Financial principle. I thought this was something that everyone in the world could relate to. Having conversed with my family, friends, and some accomplished individuals, I observed that the financial myth has become deeply ingrained in social media culture. This has given rise to a generation of individuals who are always anxious about money but do not know why they are stuck in this state
Certain influencers are fond of using words to express themselves “Ignore saving and instead concentrate on earning more money!”
I know this sounds amazing But is it the same people selling you their expensive courses? Who would not want to spend all their money knowing they can save and no income will make you rich?. If money is the only way to become wealthy, why do celebrities, athletes, and lottery winners go bankrupt?
They were unable to learn how to do it properly Keep Their money
The harsh reality is that you won’t be able to make millions without some real effort Effortlessly It’s important to establish a habit of saving money, and who is the right one?. If not, you’ll be confined to a high-income, high–cost lifestyle that involves constantly striving for the next paycheck, always feeling like one is on your way to financial security, but never actually getting there
Robert Kiyosaki famously stated:: “It’s not about earning money, but rather about how much you have.”. ”
Cash Flow: The True Measure of Wealth
Real wealth isn’t about one-time earnings. It’s about building Consistent cash flow
So, what exactly is cash flow? In simple terms, it’s ensuring that money comes in regularly And Stays with you long enough to grow. Every dollar you save can be invested to generate even more income
For example, with a 10% annual return, your savings will double every 7 years. At 20%, it doubles every 4 years! That’s the power of making money work For You instead of just working for money
This reminds me of a great children’s book about financial literacy called Rock, Brock and the Savings Shock By Sheila Bair
In the story, their grandfather gives his grandsons, Rock and Brock, the same amount of pocket money. Rock spends his money immediately, enjoying every moment. Brock, on the other hand, saves diligently
By the end of the summer, their financial situations are Wildly Different. Thanks to the power of consistent saving, Brock ends up on the path to becoming a young millionaire, while Rock is still broke
It’s a simple yet powerful lesson: two people with the same income can end up in completely different financial situations based on how they manage their money. (Don’t make me force you to read the book — but you Should Think about it!)
The Practical Side: Should You Start with Investing?
At this point, some of you might be thinking “Well, investing is easy now. I’ll just buy stocks instead of saving money! ”
Nice try, but hold on
Even if you want to invest, you Still Need savings first! Here’s why:
📌 Investing requires an initial amount even if its small — even buying stocks requires at least a few hundred dollars, otherwise, transaction fees will eat into your returns
📌 Building passive income takes time — if you want to generate steady cash flow through investments, you need a strong foundation of capital. You can’t just expect to throw in a few dollars and get rich overnight
📌 Emergencies happen — even the best investments come with risks. That’s why financial experts always recommend having an emergency fund (3–6 months of living expenses) before investing. You don’t want to be forced to sell stocks at a loss just because life throws a curveball at you
In other words Investing starts with saving The money you invest in the future? It begins as savings today
Money is Made, But More Importantly, It’s Saved
Yes, making money is crucial. But saving is what actually builds wealth
The ideal financial formula? High income + low expenses = more cash flow working for you, leading to true financial freedom. 🚀
So next time you hear someone say “Money is made, not saved! ” — don’t fall for it. Unless you want to go back and relearn financial lessons from a children’s book. 😉
