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.
Discipline: Getting wealth is easy. The hard part is retaining it, which requires self-discipline.
Most people let their rent eat 30–50% of their income and wonder why they can’t build wealth.
When I was earning close to six figures, my rent was $300 a month.
Not because I had to. Because I chose to.
I lived with a family. I lived below what I could “afford.” Every dollar I didn’t spend on a nicer apartment went straight into investments and paying off my car (which I did with my first paycheck).
I did find a really great Mexican restaurant and smoothie place though – and they were getting some of my dollars. If you haven’t tried Founding Farmers in DC, it’s a must for burgers. There was a stellar Indian restaurant, too, but I forgot the name unfortunately.
Point is – I wasn’t suffering. I was strategic.
Most people say keep housing under 25% of your take-home pay. I say go aggressive. There were points when my rent was 5–15% of my net income. Anything under 15% is the sweet spot. That’s where wealth actually builds.
That gap – over 5 years at even a modest 8% return – turns into a down payment, an emergency fund, or a portfolio that works for you while you sleep.
Fix housing, fix everything.
Instead of cutting lattes, slash your greatest costs.
Stay disciplined, Destiny
P.S. – Did you move your body today? Get in a 10-minute micro workout or 3, or do the one below:
Today’s FL10 Minute Workout: Mama’s Baking Biscuits
Glutes / Core · 10 min · Zero equipment
Glute Bridges – 2m
Standing Hip Abduction – 2m
Plank Hold – 2m
Donkey Kicks – 2m
Bird Dog – 2m
This content is for informational purposes only — not professional advice. Consult a qualified professional before making any major decisions.