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Know the limits of what you can do
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If your only plan to improve your finances is cutting expenses, you’ve got a big problem. Not because it’s a bad plan—it’s not... If you’re wasting money on unnecessary crap, the first thing you should fix is exactly that. But… The problem is purely mathematical, and I love maths. Cutting expenses has a limit. If you make 3.000 euros or dollars or whatever per month and save 500… You may be able to save 200 more. If you turn off Netflix, maybe 215… If you cut Amazon Prime, maybe 300 And if you turn the lights off and use candles, maybe you arrive to 1.000 in total savings. At some point, there’s no more room to cut, and saving an extra 50 requires a massive sacrifice… like giving up coffee and things like that. It just doesn’t make sense. That’s why, if you don’t want to fall into the most extreme penny-pinching lifestyle, your focus shouldn’t be on saving more—but on earning more. Because unlike cutting costs, increasing your income has no limit. And the best part? Even small increases make a huge difference. If you go from earning €3.000 to €4.000, for example, here’s what happens: ​ This is so obvious that you might think I’m insulting your intelligence, but no matter how much we debate saving strategies, the truth is simple: Cutting expenses is fine and necessary, but the real key to financial well-being is making more money. Make. More. Money. And if anyone tells you otherwise, they’re lying to you. Life only happens once, and it should be lived well. Not with absurd luxuries, not with reckless spending—but well. And as far as I know, that requires money. My plan to help you make it happens, right here: ​Is this piece of real estate a good investment? - Price $29.90​ PD 1: If you liked this email, don't keep it in secret and forward it to a friend. They will thank you enormously one day. PD 2: If somebody has sent you this email and you want to receive emails like this yourself, visit vicentevalencia.com PD 3: If you want unsubscribe, click the link below. |
Vicente Valencia
Weekly insights on how to perform when it matters | High-stakes decisions. Real situations. No BS. | 👇JOIN +2k readers 👇
They wanted to save money. Of course. Because nothing says “excellent public procurement” like taking a complex, mission-critical system and pretending the cheap option is also the clever option. In 2007, the Queensland Government in Australia needed a new payroll system for Queensland Health. Not a tiny organisation. Tens of thousands of employees, multiple awards, complex rosters, allowances, overtime, penalties, shifts… The kind of payroll system that makes normal payroll systems cry in...
Let’s say you want to get in shape. You can buy a gym membership. Fine. You pay the fee. You get the little towel. You walk in pretending you know exactly what you’re doing. Then you start lifting weights like a chicken “sin cabeza”… no head. A machine here. Some dumbbells there. A bit of treadmill because you saw someone else doing it. And then you hope willpower, motivation, and the fitness gods do the rest. Good luck with that. Now, if you’re serious… Really serious… You hire a personal...
The dream accomplishment is not a promotion. Sorry. I know LinkedIn wants you crying in front of a cake with the company logo… so that you produce lots of likes. “After 17 years, I am humbled to announce…” Lovely. Very touching. Very corporate. Very LinkedIn… But no. The real dream is a WhatsApp message. “Can you jump on a call? We have a problem.” That’s it. No fireworks. No orchestra. No posts in social media with 46 hashtags. Just one message. Because someone, somewhere, in a project that...