The Truth About Wealth: It’s Not Just About How Much You Make

Ever heard the saying, “It’s not about how much you make, but how much you keep”? It turns out, that’s 100% true when it comes to building wealth.

While earning more money can give you more financial freedom, it won’t help if your spending habits are out of control. The difference between struggling financially and achieving true wealth often comes down to your money habits—not your salary.

In this blog, we’ll break down:
✅ Why high earners can still be broke 💸
✅ The simple habits that separate the wealthy from everyone else
✅ How you can build sustainable financial success—even on an average income

1. Why Earning More Won’t Always Solve Your Money Problems

Making six figures doesn’t automatically mean financial success. Many high-income earners still live paycheck to paycheck because of lifestyle inflation.

🔥 Lifestyle Inflation = The More You Earn, The More You Spend

For example, someone earning $200,000 per year but spending $210,000 is actually in worse financial shape than someone making $60,000 but saving $10,000 a year.

🚨 Real-World Example: The Broke High Earner

A CNBC report found that 36% of Americans making $250,000 or more still live paycheck to paycheck!

The solution? Wealth isn’t about income—it’s about how you manage it.

2. 5 Money Habits That Build Wealth (No Matter Your Income!)

Want to escape the paycheck-to-paycheck cycle? Here are five habits that can make you financially successful, no matter what you earn.

💰 Habit #1: Pay Yourself First

🔹 Before you pay bills or spend money, set aside savings first—just like a tax on your paycheck.
🔹 Try automatic savings using apps like Qapital or Digit.

📊 Habit #2: Track Your Spending

🔹 Wealthy people know where their money goes.
🔹 Use budgeting tools like YNAB (You Need a Budget) or the Moola Masters App to track your finances.

💡 Habit #3: Invest Consistently (Even Small Amounts!)

🔹 Investing just $50 a month can grow into six figures over time! (Check out our blog on investing with just $50)
🔹 Use platforms like Betterment or M1 Finance for automatic investing.

🏠 Habit #4: Avoid Lifestyle Creep

🔹 When you get a raise, increase your savings—not just your spending.
🔹 Instead of upgrading your car or house, use extra income to pay off debt or invest.

🚀 Habit #5: Know Your Mojo Number

🔹 Your Mojo Number is how much you can safely spend each week after covering expenses and savings goals.
🔹 Find Your Mojo Number Here.

3. The Wealth Formula: Income – Expenses = Freedom

Wealth isn’t about making more—it’s about keeping more. Here’s the basic formula:

INCOME – SPENDING = WEALTH GROWTH

If you make $100K but spend it all, you have $0.
If you make $50K but save and invest $10K, you’re building wealth.

🔹 Small habits today = financial freedom tomorrow.

4. Take Control of Your Financial Future 🚀

Want to stop living paycheck to paycheck and start building real wealth? The key isn’t earning more—it’s mastering your money habits.

💡 Need help taking control of your finances? Get expert coaching and tools in our Money Mastery Course!

📩 Join the conversation in the Moola Masters Financial Freedom Circle! Let’s build wealth together! 💰🔥