Day 18 - what financial patterns keep showing up?
This week the goal is to figure out:
why do we do the things we keep doing? Your financial life is not a series of isolated events - it is a system of repeated behaviors.
  • If something keeps happening, it’s not coincidence, it’s a pattern that has a cause.
  • Results (wealth, stress, stability) are lagging indicators of these patterns.
1. Earn → Spend Cycles
What to look for:
  • Income increases → lifestyle increases just as fast (or faster)
  • Bonuses, commissions, or windfalls disappear quickly
  • “I deserve this” spending right after earning
Step-by-step breakdown:
  1. Income event occurs (paycheck, deal, bonus)
  2. Emotional response (relief, reward, entitlement)
  3. Spending increases (planned or impulsive)
  4. Balance returns to baseline or lower
  5. Repeat
Reality check:
  • This pattern prevents wealth accumulation even with high income
  • Do the same for saving and spending cycles.
This is where the shadow work becomes really valuable - we can get money to come in - but then what happens to it?
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Tulinh Tran
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Day 18 - what financial patterns keep showing up?
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