Ever check your bank account and think, Wait… where did all my money go? You’re not alone. Most people assume their big expenses—rent, mortgage, car payments—are what define their financial situation. But often, it’s the invisible spending that’s actually draining your money. What I see most often among those I speak with isn’t reckless splurging on luxury items—it’s frequent, forgettable spending at places like Amazon, Target, and Walmart. It’s convenience food delivery. It’s random Venmo payments that seem small in the moment but add up fast. Individually, none of these seem like a big deal. But together? They quietly siphon off thousands of dollars a year—money that could have been building financial security or funding something you actually care about. The problem isn’t that you’re spending too much. It’s that your money is leaving without your permission. The best way to stop this silent leak? Awareness. Look at your statements for the last 30 days—every transaction, no judgment. You don’t need to cut anything, just notice where your money naturally flows. Because once you see it, you can decide if it’s actually worth it. Do you ever feel like your money disappears on things you don’t really value? Hit reply and tell me—what’s your biggest “invisible drain”? —Tyler |
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Last week, I asked: What would you do with $5 million? And wow. Your responses were incredible. Some of you mapped out every dollar down to the cent like one reader who planned everything from their exact mortgage payoff amount and finishing the basement to funding a sidewalk for their neighborhood. Others had a simpler plan: Half in Bitcoin, half in VOO. But the most fascinating part? No one said they’d buy a mansion or a fleet of luxury cars. Instead, I noticed four big patterns: Financial...
I’ve been watching Beast Games. Go ahead. Judge me. As I watched contestants fight for a life-changing prize, I started wondering: What would I do with $5 million? It’s more money than most people will ever see or earn. To put it in perspective, you’d have to make $125,000 a year (after taxes!) for 40 years to reach that number. So here’s my question for you: If I handed you $5 million right now, would you know exactly how to use it? Most people think a sudden windfall would solve all their...
People say the key to financial stability is living within your means. But what does that actually mean? I worked with a client who made nearly a million dollars a year. By most people’s standards, he was wildly successful. But during one of our sessions, he admitted something that caught me off guard: “Tyler, I’d honestly rather make $300,000 and have a life. This isn’t what I wanted.” Despite his impressive income, he felt trapped—by obligations, by expectations, by the lifestyle that came...