1. Income Is Not the Problem — Cash Flow Is
People complain, “I don’t earn enough.”
Wrong.
Even high-income people go broke because they don’t control the direction of their money.
Cash flow = how your money enters, moves, and leaves your life.
If outflow > inflow → you stay broke.
2. Your Fixed Expenses Are Too High
Most people lock themselves into stupid monthly commitments:
- EMI
- Installments
- Subscriptions
- Extra SIMs
- Gym you don’t use
- Paid apps you forgot about
These fixed costs silently eat your income every month.
Fix:
Cut unnecessary recurring payments.
Reduce fixed expenses to 50–60% of income max.
3. You Don’t Separate Needs From Wants
Your “needs” list is bloated.
Half the things you call “essential” are pure wants disguised as needs.
Example:
A phone for communication = need.
A new flagship phone = want.
Home-cooked meal = need.
Daily food delivery = want.
Until you learn the difference, your money goes nowhere.
4. You Don’t Build Assets — Only Liabilities
The biggest cash-flow mistake:
Spending on things that take money out of your pocket, not into it.
Liabilities you think are assets:
- Costly cars
- Fancy phones
- Trend gadgets
- Branded clothes
Real assets:
- Skills
- Investments
- Online business
- Savings
- Income-generating tools
Until you shift from liabilities to assets, your finances stay stuck.
5. You Keep Zero Buffer
One emergency — medical, family, job loss — and your whole financial life collapses.
Most people are one bad week away from debt.
Fix:
3–6 months emergency fund.
Cash flow becomes stable, decisions become smarter.
6. You Don’t Review Your Money
You check Instagram daily, but not your bank balance.
You know every gossip update, but not your spending pattern.
Fix:
Once a week:
- Review expenses
- Review income
- Adjust budget
- Track progress
Money grows where attention goes.