Every Money Advice List Is Written For People Who Already Have Money And I Am Tired Of Pretending Otherwise
Read the tips. Make coffee at home. Automate your savings. Max out the thing. Negotiate your salary. Every single one of them assumes you have a salary worth negotiating and a few hundred spare at the end of the month.
I do not have a spending problem. I have a number problem. The number coming in is smaller than the number going out, and no spreadsheet has ever fixed that.
The advice is not evil. It is just written from the other side of the hole, by someone standing on the shore yelling swim harder.
My resolution this year is to stop reading those lists. It saves me nothing and it feels fantastic.