#2: Your Spineless. You Don’t Know How to Say “No”
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1. You’re In The RED (Negative) Every Month
Overspending.
Over-leveraging.
You’re constantly spending more money than you’re earning within a 30 day timeline.
You’re in the red every month and you’re doing nothing to change this.
2. You’re Spineless. You Don’t Know How To Say “No”
If friends want to go out, you’re there every time — especially when it’s costing you. If family needs something, you’re footing the bill every single time without checking your budget and financial goals.
When advertisements and media tell you what to buy, you’re like “Hell Yeah! I’m getting it”.
When new gadgets come out, you’re the first in line to upgrade.
Get a spine.
Start saying “no”
3. You Don’t Automate Your Investing
Instead of paying yourself first, you pay your taxes first, you pay your bills first, you pay your friends first, you pay your charity first, you pay your family first, and you pay your expenses first.
You got it backwards friend.
You must PAY YOURSELF FIRST if you want to ever build wealth.
Someone asked me the other day:

If you don’t save, invest, and pay yourself first, not only will you never build up your net worth, but you will never be able to escape the paycheck to paycheck trap and the situation of never having enough.
But systems matter. If you don’t have the right systems, you will never get around to saving and investing.
4. Your Ignorance Tax Is Off The Charts
You don’t know shit about money, and you’re not doing shit to learn about it either.
I’m not talking about reading one book or listening to one podcast and calling it a day.
If you want to build real wealth, you’ll need to study money, personal finance, investing, and most importantly….how to keep money.
A lot of people can earn money, but the second most important piece is learning how to keep it AND grow it.
Self-educate about money and watch your ignorance tax go lower and lower to where it doesn’t negatively impact your financial results.
5. Everyone Around You Is Broke
All of your friends, family, and acquaintances are financially struggling.
Your entire posse is on the 24/7 struggle bus; and this shit is contagious AF.
Once you start elevating your groups, your money will get elevated, too.
This does not mean don’t be friends with broke people who aren’t consistently taking actions to improve their financial situation.
A lot of GOOD people are broke and will financially struggle the rest of their lives. But be careful these people don’t make up your entire network, or you will end up just like them.
It means you need to surround yourself with more people who are leveling up their wealth, financially educated, and making smart money moves.
Remember, your results are the average of your network.
6. You Have No Self-Control
Not only can you not say no to others, but you can’t say “No” to yourself.
Every impulse you have, you indulge in it.
You are not the master of yourself.
Your impulses are.
And if you continue operating your life like this, you will never have enough, and you will always be on the lookout for your next paycheck.
7. You Are A Soldier for Hire
You leave your paycheck in the hands of someone else.
You never find and build ways to earn money outside of an employer.
You are dependent.
You are reliant.
You are a soldier for hire.
If you don’t find additional avenues to earn income that don’t require an employer, you will be financially dependent on your employers for a lifetime, which means if they stop feeding you, you will starve until you find someone else willing to feed you.
It’s a failure of a system and no way to live or build real wealth.
At some point, you must transition from consumer to creator if you want to elevate your net worth beyond average.
8. Fear and Money Are One To You
Money is a tool. And you are scared of it.
You’re scared of never having enough of it.
You’re scared of losing it.
You’re scared you’ll never earn enough.
You’re scared you’ll never be able to increase your income.
You’re scared you will lose government benefits.
You’re always stressed about money.
If you fear money, you will never have enough of it.
Money does not go and stay with the people who have a fear of it.
Money goes to the people that have a healthy relationship with it and learn to GROW and COMPOUND it.
Matthew 25:14–30 (MSG) — The Story About Investment
14–18 “It’s also like a man going off on an extended trip. He called his servants together and delegated responsibilities. To one he gave five thousand dollars, to another two thousand, to a third one thousand, depending on their abilities. Then he left. Right off, the first servant went to work and doubled his master’s investment. The second did the same. But the man with the single thousand dug a hole and carefully buried his master’s money.
19–21 “After a long absence, the master of those three servants came back and settled up with them. The one given five thousand dollars showed him how he had doubled his investment. His master commended him: ‘Good work! You did your job well. From now on be my partner.’
22–23 “The servant with the two thousand showed how he also had doubled his master’s investment. His master commended him: ‘Good work! You did your job well. From now on be my partner.’
24–25 “The servant given one thousand said, ‘Master, I know you have high standards and hate careless ways, that you demand the best and make no allowances for error. I was afraid I might disappoint you, so I found a good hiding place and secured your money. Here it is, safe and sound down to the last cent.’
26–27 “The master was furious. ‘That’s a terrible way to live! It’s criminal to live cautiously like that! If you knew I was after the best, why did you do less than the least? The least you could have done would have been to invest the sum with the bankers, where at least I would have gotten a little interest.
28–30 “‘Take the thousand and give it to the one who risked the most. And get rid of this “play-it-safe” who won’t go out on a limb. Throw him out into utter darkness.’
If you continue to fear money, it may be taken from you from people who have no fear of it.
Be a master over money.
Do not be afraid of money.
9. You Have ZERO Financial Goals
This one guy told me he had no goals. He was proud of it, too. And I’m like cool. Do what works for you.
How are his results?
Well he has built nothing.
If you want to build nothing have zero goals.
If you want to build an empire or something tangible, have goals that you consistently execute on.
- How much do you want to earn?
- What percentage of your income do you want to save?
- When would you like to be debt free?
- How much do you want to allocate to giving and generosity?
- What net worth do you desire?
Then map out actionable steps you execute on daily to make these a reality.
10. You Don’t Want It Bad Enough
Most people want more money, but they’re not willing to work for it.
And I don’t necessarily mean work hard for it.
I mean work strategically for it.
I mean putting your mind to work, to help you create pathways to building more wealth.
Sitting on your ass and hoping for more money or watching endless videos of people teaching you how to earn more money isn’t going to do shit for you.
You must put in the work.
Affirmations, hoping, believing, and praying are not enough.
You must pair all these with ACTION.
Action + belief = Results
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If you’re still trying to save your first 100K, I will teach you how.
This article is for informational purposes only. It should not be considered financial or legal advice. Not all information will be accurate. Consult a financial professional before making any significant financial decisions.