We often believe that earning more money will solve all our problems. A bigger paycheck, a bonus, or an unexpected inheritance—we’re told these things will free us from financial stress. But that’s a dangerous myth. The truth is, money doesn’t care about your income. You can make millions and still have the same financial worries as someone making thousands.
It’s a strange reality. Many people, no matter their income, are never truly satisfied with their spending. They live as if they fear their money will vanish if they don’t spend it all, and then some. A person who earns ₦200,000 might find themselves spending ₦250,000. Someone who makes ₦700,000 might consistently spend ₦800,000. The money going out always seems to be more than the money coming in. Even someone earning ₦2 million a year is just as likely to fall into this trap as someone earning ₦200,000.
More money doesn’t solve financial problems. It’s a symptom of a deeper issue: a lack of financial discipline.
Stop believing that your income determines your financial health. Instead, start focusing on a new equation for wealth—one that prioritises smart saving, consistent investing, and responsible spending. This plan is about how much you keep and how wisely you use it, not how much you make.
True financial freedom is not about your net worth but your net control. Only by changing your mindset can you break the cycle of endless spending and begin building a life of lasting abundance.