Author name: Ponsada

Most people do not fail with money because they are lazy. They fail because they try to improve their finances […]

Most people think wealth is built by earning more. I think that is only half the story. The other half

Most people think wealth is mainly a math problem. Earn more. Spend less. Invest the difference. That is technically true,

Emotional spending is what happens when I use money to react to a feeling instead of solve a real need.

A higher income feels like it should solve everything. You work harder, get promoted, land a better job, or finally

Most people think financial discipline means saying no all the time. No takeout, no fun, no freedom, no breathing room.

Most people don’t stay broke because of one catastrophic decision. They stay broke because of a handful of money habits

Most beginners think wealth starts with a bigger paycheck. I don’t buy that. A higher income can help, of course,