It's Not What You Make

...It's What You Keep

We've all heard the saying, "A penny saved is a penny earned."

My favorite is a derivative, “it’s not that you make, it’s what you keep” — an amazing reminder of the importance of efficiency AND effectiveness in your wealth system.

But in today's world of relentless advertising, instant gratification, and seemingly endless subscription services, that simple adage feels more relevant – and more challenging – than ever before. Many people focus intently on increasing their income, chasing promotions, and side hustles. While boosting your earnings is important, it's only half the equation. True wealth building isn't about how much money flows in; it's about how much you strategically keep and grow.

This article isn't about depriving yourself of all joys in life. It's about gaining control over your finances, making conscious choices, and building a future where your money works for you, instead of the other way around. It's about shifting your mindset from passive spending to active, inten…