This piece is part of my 2016–2026 archive migration. Some original formatting, content, and external links may be missing, changed, or not be optimized.
But it’s easy not to do the easy things
We all know this one. Yet, only some people do it. As Jim Rohn says, “It’s easy not to do the easy things.”
2. Consistently invest via multiple avenues.
Don’t start and stop at the stock market. Explore real estate, digital real estate, crowdfunding, startups, future tech, and other investment opportunities you’ve never heard of after conducting thorough research.
3. Maintain multiple primary income sources.
Most people have 1–2 income sources, and it usually stops here. To make yourself more economically immune, maintain more than two income sources.
The bigger your additional income sources, the better. Having supplemental income and an emergency fund is helpful if you lose one income.
But if you have more than one primary income source, you will be unaffected if you lose one.
4. Don’t walk yourself into unnecessary debt.
What are examples of unnecessary debt?
Upgrading your phone without paying it in full, signing up for 0% financing options for items that aren’t adding much value to your life (i.e., electronics, fashion, etc.).
5. Endlessly educate yourself.
Explore personal finance, money management, business, taxes, economics, future technology, and people who have amassed the type of wealth you seek.
6. Skip the upgrades.
You don’t need to upgrade your phone yearly. I’m considering upgrading every 3–4 years if my phone can handle it.
I have a dear friend who hadn’t upgraded their phone for almost a decade. It’s jarring but admirable. Their phone works better than good.
7. Live your life how you want, not how you’re taught.
Society teaches us to buy more stuff constantly, but do we want what they tell us to buy?
I was going to put a tv in each room of my home, but after conversing with someone, I realized that was completely unnecessary. I was catering to the needs of my guests instead of doing me.
I only need 1–2 televisions in my home, and I’ll never need to prioritize and overinvest in one of the biggest time wasters.
8. Avoid comparison addiction.
If you’re on social media all the time, you might get sucked into comparing your life to others.
Many people on social media represent the best part of their lives or parts of their lives that they don’t actually own.
Furthermore, some people advertising their lavish lifestyles can barely afford it, if they can at all; these facts are still beside the point.
Don’t compare your life to others. Focus on living your life.
9. Don’t rely on others financially.
After college, my number one goal was to take care of myself financially. The drive was fierce. I would be chained to no one. Financial independence was the only option, and later that year, I attained that. But it’s easy not to, either.
When you are financially independent, you have more freedom, confidence, and options. You are infrequently stuck in unhealthy situations (e.g., financially co-dependent or dependent relationships).
10. Live like the few.
There are some who will always upgrade their car, live in pricy homes, use their savings to travel, max out their credit cards, wear the latest fashion, and live a life in debt; this is the typical lifestyle.
You don’t have to, though.
People have made fun of my car, clothes, and minimalistic lifestyle for years, but I still have yet to change a damn thing.
I don’t give a flying f*ck what people who are in debt have to say about my lifestyle because I don’t want to live like them.
At a certain point, you learn that materials do nothing for you and that doing what everyone else does is unproductive.
10 Ways To Avoid Financial Fear
Live below your means and always spend less than you earn.
Consistently invest via multiple avenues
Maintain multiple primary income sources.
Don’t walk yourself into unnecessary debt.
Endlessly educate yourself.
Skip the upgrades.
Live your life the way you want, not how you’re taught.
Avoid comparison addiction.
Don’t rely on others financially.
Live like the few.
This content is for informational purposes only — not professional advice. Consult a qualified professional before making any major decisions.