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.
Tiny and consistent choices create your financial outcomes
Choices.
Daily choices determine our long-term outcomes.
People don’t end up massively in debt overnight; it’s a compounding of their daily choices.
People don’t randomly end up without gold in their retirement years; it’s a compounding of their daily choices.
People don’t have to live paycheck to paycheck; it’s a compounding of their daily choices.
People don’t shift any of these circumstances except by making productive and consistent daily choices that produce different outcomes.
Every choice has a consequence.
A New Car?
You could buy a new car.
Or you could invest that monthly payment into an investment account since the average person is behind on retirement.
A New iPhone?
You could buy a new iPhone and spend an extra $50 or more monthly.
Or you could keep your current iPhone, invest that extra $50 each month, and put your money to work for you instead of against you.
Eat Out Multiple Times A Week Or Eat In?
You could buy groceries that last for a week or longer.
Or you could eat out daily and spend double, triple, quadruple or more on food.
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Buy That New Random Item On Amazon?
You could buy that excellent random item you see on Amazon.
Or you could remind yourself that you weren’t thinking about the item before it came across your screen and use your money more productively.
Go Shopping Again?
You could buy new clothes, shoes, accessories, and jewelry.
Or you could use and wear what you have and save a sh*t load of money.
I’m not encouraging people to starve themselves of pleasures.
Life is a gift for us to enjoy.
But only some of the purchases we make are necessary.
Look at the average garage or home.
It’s filled with a bunch of bullsh*t, and much of the stuff people own they never even use.
Moreover, many buy the bulk of their stuff with credit cards or debt.
Over time, the more we accumulate, the more we can reveal the status of our bank accounts.
Unless you have significant income coming in and practice living below your means, you’re likely shooting yourself in the foot repeatedly if you collect a lot of stuff.
There are few consistent choices.
If you spend a little every day on things that don’t matter, it adds up.
If you continue not investing in your financial future, it adds up.
Every financial decision you make creates an outcome.
What kind of outcomes are you creating with the choices you’re making?
This content is for informational purposes only — not professional advice. Consult a qualified professional before making any major decisions.