Hey babe,

If you’ve ever wondered why some people seem to always be growing their wealth while others stay stuck no matter how much they make—this one’s for you.

Here’s the secret: It’s not just about how much money you make. It’s about what you do with it.

I had my aha moment when I stopped focusing on my salary and started looking at what I owned versus what was draining me. Turns out, my financial health wasn’t about income—it was about assets and liabilities.

1. Assets = Things that put money in your pocket (investments, rental properties, business income, etc.).

2. Liabilities = Things that take money out of your pocket (debt, car loans, high-interest credit cards, etc.).

The goal? Stack up more assets and cut down liabilities—so you’re not working for money; your money is working for you.

1. Know What You Own vs. What Owns You – List out everything you own (investments, savings, real estate, business ventures) and everything that drains your money (debts, expenses, depreciating assets). Awareness is step one.

2. Start Swapping Liabilities for Assets – If your car payment eats half your paycheck, maybe it’s time to downgrade and free up that cash to invest in something that grows. If your rent is sky-high, can you house hack? Make moves that shift your money toward growth.

3. Invest in Income-Producing Assets – Stocks, rental properties, businesses, or even reselling something you love. Put your money somewhere that pays you back over time.