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.
It will never disappear until you make a change
The average person will go to their graves in debt.
The average person will never build substantial wealth.
The average person frequently says, “I can’t afford that.”
The average person will invest their money in unnecessary things.
Fear Will Keep You Broke
“I’ve always been too scared to look at my bank account because I don’t track my spending. I just kind of hope things will work out every time I swipe my card.”
A person told me this years ago, and they continued operating like this until they finally decided to start budgeting and tracking their finances.
Once they did, several things changed for them:
Their savings rate increased.
They established an emergency fund.
They knew how much they were saving.
They knew how much they were spending.
They implemented more boundaries with their spending.
They felt relieved and didn’t experience that underlying financial anxiety anymore.
Laziness Will Keep You Broke
A person is more likely to watch reality tv than to pick up a book or read an article on personal finance.
If a person is truly tired of being broke and stuck in a cycle of trying to find a way to make ends meet, they will take action.
But laziness is its own problem.
Too many are unwilling to take productive actions to improve their financial situations. They’re plenty tired, frustrated, and anxious, but not enough to make a change.
How To Avoid Financial Anxiety
Financial anxiety is self-induced – even for many poverty-stricken people in the United States.
Here’s why: All of us have access to free resources, which are found on the internet, at libraries, or in stores (including gas stations and convenience stores).
Education is the quickest way out of any negative or bleak financial situation.
The more you educate yourself, the more you attract the necessary resources and opportunities to transform your finances.
Education can come through many avenues, including people, books, experiences, exposure, articles, programs, conversations, etc.
If your habits add anxiety to your life, what will you do about it starting today?
If you continue not changing your financial habits, you will experience anxiety, fear, stress, and other negative outcomes related to poor financial habits.
You can avoid financial anxiety by living intentionally, investing more, chasing fewer purchases, tracking your money, spending less than you earn, and educating yourself.
Your financial success is entirely in your hands.
Free self-education resources
This content is for informational purposes only — not professional advice. Consult a qualified professional before making any major decisions.
This content is for informational purposes only — not professional advice. Consult a qualified professional before making any major decisions.