Introduction
Income helps — but habits decide outcomes.
Why This Matters
Without changes, higher income brings higher spending.
A Real-Life Experience
Raises come and go, but stress remains.
The Core Financial Lesson
Behavior outpaces income.
Key Takeaways
- Lifestyle creep is real
- Habits scale with income
- Awareness protects progress
Practical Steps
- Lock savings before spending
- Avoid instant upgrades
- Revisit goals after raises
Reflection Questions
- What changed the last time I earned more?
- Did my stress actually decrease?
SCB Closing
More money only helps if it’s managed intentionally.
