The Second Half Of Wealth

For most of my life, I thought the finish line would be making money.

If I could just figure out how to earn, close, and stack, the rest would take care of itself.

I couldn’t have been more wrong.

Even when I had $250K in the bank…

I’d hesitate before buying a $40 shirt.

I’d overthink hiring someone for $2K/month, even if they’d save me 30 hours and make me double back.

I didn’t feel free.

I just felt… anxious. I felt like I had more to lose. Like it could all disappear if I got too comfortable.

I think that I picked up this idea from my dad.

When I was 11, he got scammed. Wiped out.

From that moment, I watched him cling to every dollar out of fear.

It was survival.

He’d never keep much in his account, wouldn’t buy anything unless it was absolutely necessary.

He was doing what he had to do.

But I inherited his relationship with money even though I was living a completely different reality.

That’s when it hit me:

“You can escape your environment, but still live inside its logic.”

There are really two halves to wealth:

1. Learning how to make money

2. Learning how to spend money in ways that build more of it

The first one’s tactical and can be taught.

But the second one’s emotional and requires a lot to be unlearned.

And it’s wild — so many of us figure out the skillsets…

But never unlearn the beliefs.

We know how to generate cash.

But we hoard it like it’s going to run away the moment we look away.

We delay hires. We hesitate on investments.

We keep saying “not yet” to the things that would buy our time back, grow our brand, or help us hit an energy level up.

There’s a line from a podcast I heard last year I forget the host, but it’s stuck with me:

“At some point, keeping the money becomes the thing that keeps you small.”

This one stung a little because I realized I was holding back not because I was being smart…

But because I was still operating as 11-year-old me.

If any of this feels familiar, here’s a thought for your weekend:

You’ve already proven you can earn.

The next level probably requires you to trust yourself enough to spend like someone that has earned it.

– Wiz

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