You work hard. You make good money. So when you see something you want, it’s easy to think. "I deserve this."

And you do! But here’s the tricky part...if every purchase is a reward, your expenses will always rise to match your income.

I literally wouldn't have a thriving money coaching practice if it weren't for this apparent law of the universe.

This is how lifestyle creep sneaks up on people. You get a raise, a bonus, or a higher-paying job, and without even realizing it, your “normal” gets upgraded:

• You go from economy to business class flights.
• You start outsourcing things you used to do yourself.
• Your car, house, or vacations get bigger and better.

None of these things are bad. (In fact, they are AWESOME!)

The problem is when they happen automatically, without intention. Suddenly, you’re making more than ever, but somehow, you don’t feel any richer.

The key is spending with purpose. When your income increases, ask yourself:

• What do I actually want to improve in my life?
• Am I spending on things that genuinely make me happier?
• Would I make this same decision if my salary never increased again?

Lifestyle creep doesn't come from buying nice things. It comes from letting your spending happen instead of making conscious choices.

Have you ever looked back and realized your spending slowly expanded without you noticing? Hit reply—I’d love to hear your experience.

—Tyler

PS: These are a few of my favorite things (recently)

🎵 Ok, this is ridiculous, but I had AI write a song about the time I got a fancy new job, promptly bought a brand new car, and lived to regret it. I am not immune from lifestyle creep! Ladies and gentleman, The Price of Shine.