Your Bank Account Called…
(It Wants You to Read These 4 Tips)
Building wealth can feel like chasing a moving target. One minute you’re trying to save for rent, the next you’re being told to “diversify your portfolio” like you’re Warren Buffett.
But here’s the truth: wealth building isn’t reserved for billionaires or finance bros. You can start right where you are, yes, even if your bank app gives you anxiety.
Here are three ways you can do that:
Earn Money (And Maximize What You Already Have)
Let’s start with the obvious: you need money to build wealth. But it’s not just about how much you make, but also how you make it work for you.
There are two main ways to earn. Through earned income like your job, side hustle, or freelance gigs. Or through passive income such as investments, dividends, rental properties, or businesses that don’t need you 24/7.
You can boost your income potential by doing what you love (you’ll stick with it longer), leveraging your strengths (monetize your skills), and investing in yourself (certifications, education, training).
Set Clear Goals and Build a Plan
If your financial dreams live only in your head, they’ll stay there. The real flex is having specific, time-bound goals and a plan to hit them.
Start with:
What you want: Do you want to retire at 45? Buy your dream home? Fund your kid’s education?
How much you need: Do the math and set targets.
How you’ll get there: Budget, automate your savings, and invest in assets that will likely grow overtime.
Remember to revisit your plan regularly. Life changes and your goals might too.
Use apps like YNAB or Mint to track your goals in real time, and assess how you are doing in relation to them.
Save Smart (Not Just More)
Saving money isn’t just about stashing cash in a piggy bank. You need to save with intention and make your money work while you sleep.
Smart savers tend to track every expense (even that random “affordable” smoothie), cut wants, not needs (trim dining out, not data or rent), automate their savings, and use high-yield accounts like HYSAs or CDs to earn more.
To begin, start with an emergency fund (3–6 months of expenses), then save toward your goals.
