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:
- Income event occurs (paycheck, deal, bonus)
- Emotional response (relief, reward, entitlement)
- Spending increases (planned or impulsive)
- Balance returns to baseline or lower
- 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?