We often post comparisons between two hypothetical emoji investors. Sometimes, one invests a little and one invests a lot. The one who invests a lot ends up with a LOT more money. That’s just math. But WHEN WE DO, the comments invariably blow up with comments like “How DARE you suggest I can invest X% of my income. I couldn’t possibly spend a penny less than I currently do.” When I hear that, I often think “What about people who make X% less than you? What do THEY do?”

This isn’t meant to be dismissive of financial struggles. I know things are expensive. Worrying about how to cover your expenses is gut wrenching and anxiety inducing. It sucks. If that’s you, I’m sorry. But unfortunately, no one is coming to save us. Our future belongs to us. If you don’t make enough, make a plan to increase your income. Think about what your ideal life looks like in five years, then take steps each day to get there. If you’re spending too much, make a plan to get it in check. Increase that gap between income and spending, invest the difference.

If you put these plans into action, you’ll feel better about money TODAY. You’ll be making progress, feeling happier, and putting yourself in a much better position down the road. If you kick the can down the road, not only will you be in worse shape later in life, but you’ll have anxiety about money along the way.

When you see one of my emoji comparisons, your gut instinct may be to attack it and rationalize why it’s not possible. Try to get past that reaction, and instead of thinking of all the reasons it’s not possible, think about the steps you can take to get closer. You’ll be happier now and later!

As always, reminding you to build wealth by following the two PFC rules: 1.) Live below your means and 2.) Invest early and often.

-Jeremy