💰 If I made more money, I’d finally be able to save and invest.
💰 Wealth is for people with six-figure incomes, not someone like me.
💰 I can barely cover my bills—how am I supposed to build wealth?

If you’ve ever thought this, you’re not alone. Many people believe that only rich people can achieve financial freedom. But here’s the truth:

💡 Building wealth isn’t about how much you make—it’s about what you do with what you have.

You don’t need a high salary to start making smart money moves. You just need the right strategy, consistency, and a mindset shift. Let’s break down the myths that keep people stuck—and how to start building wealth, no matter your income.

🚨 Myth #1: “I Don’t Make Enough Money to Save”

One of the biggest wealth-building mistakes? Waiting until you "make more" to start saving.

❌ Why this mindset keeps you stuck:
If you tell yourself you’ll start saving “when you make more money,” you’ll always find new expenses to fill the gap. Lifestyle creep (spending more as you earn more) is a real thing!

✅ What to do instead:
Start small. Even if it’s just $10 a week, the habit of saving is more important than the amount. As your income grows, your savings will grow with it.

💳 Myth #2: “I Need to Pay Off All My Debt Before I Can Build Wealth”

It’s true—debt holds people back. High-interest debt can drain your finances, making it harder to save. But waiting until you’re debt-free to start building wealth is a mistake.

❌ Why this mindset keeps you stuck:
While aggressively paying off debt, you might be missing out on time in the market (and compound interest working for you!).

✅ What to do instead:
A balanced approach is key. Make a plan to pay off debt, but also start investing—even in small amounts.

For example:
✔️ Pay more than the minimum on high-interest debt
✔️ Put at least a small percentage of your income toward investing
✔️ Avoid new debt whenever possible

This way, you’re tackling debt while also making progress toward financial freedom.

📈 Myth #3: “Investing Is Only for Rich People”

This one is a huge myth! Many people think they need thousands of dollars to start investing, but that’s simply not true.

❌ Why this mindset keeps you stuck:
If you believe investing is out of reach, you delay starting—and miss out on years of compound growth.

✅ What to do instead:
Start with what you have! Today, you can invest with as little as $5 using fractional shares in ETFs or index funds. The earlier you start, the more time your money has to grow.

📢 Example: If you invest just $50 per month starting at age 25, with an 8% return, you could have over $180,000 by retirement—even if you never increase your contributions!

🔄 Myth #4: “I Need to Be Good at Math or Have a Finance Degree”

Nope! You don’t need to be a financial expert to manage your money well. Wealth-building isn’t about complicated formulas—it’s about simple, consistent habits that anyone can follow.

✅ What to do instead:
✔️ Use automation: Set up auto-transfers to savings & investments
✔️ Keep it simple: Choose low-cost index funds instead of trying to pick stocks
✔️ Focus on consistency: Small, steady progress beats perfection

Managing money is a skill you can learn—and it’s way easier than most people think!

💡 The Truth: You Can Start Building Wealth at Any Income Level

The biggest difference between those who stay stuck and those who achieve financial freedom?

📌 They start before they feel ready.

You don’t have to:
🚫 Make six figures
🚫 Be debt-free
🚫 Have extra money sitting around

You just need a plan. The Money Mastery Bootcamp helps you create a clear, step-by-step system to ditch financial stress, stop living paycheck to paycheck, and start growing wealth—no matter your starting point. 🚀

🔥 Spots are limited—join the waitlist now!
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Financial freedom isn’t just for the rich. It’s for action-takers like YOU.

🍾 Here’s to Mastering your Moola!
— Heidi