Managing money can often be overwhelming, especially with a demanding job and a growing family.

Have you heard of Robert Kiyosaki, the author of the best-selling personal finance book, “Rich Dad Poor Dad”? He once said, “Making more money will not solve all your problems if cash flow management is your problem.”

This quote illustrates a common misconception about wealth – that simply earning more will resolve financial stress.

Winning the game of money requires both earning (which we’ll call ‘offence’) and managing expenses (or ‘defence’). Many people who earn very good money still struggle with debt, financial stress, and other money-related problems simply because they don’t manage their expenses effectively.

It’s easy to fall into the trap of letting expenses run on autopilot. However, this practice can hinder your financial progress, preventing you from achieving your important life goals. It may even lead to increased stress as you worry about the future and perhaps feel guilty about current spending habits.

But, it’s never too late to change the course and start playing a good ‘defence’ with your money. By managing your expenses more effectively, you can achieve greater financial progress and security, regardless of your income level.

Managing money can often be overwhelming, especially with a demanding job and a growing family.

Have you heard of Robert Kiyosaki, the author of the best-selling personal finance book, “Rich Dad Poor Dad”? He once said, “Making more money will not solve all your problems if cash flow management is your problem.”

This quote illustrates a common misconception about wealth – that simply earning more will resolve financial stress.

Winning the game of money requires both earning (which we’ll call ‘offence’) and managing expenses (or ‘defence’). Many people who earn very good money still struggle with debt, financial stress, and other money-related problems simply because they don’t manage their expenses effectively.

It’s easy to fall into the trap of letting expenses run on autopilot. However, this practice can hinder your financial progress, preventing you from achieving your important life goals. It may even lead to increased stress as you worry about the future and perhaps feel guilty about current spending habits.

But, it’s never too late to change the course and start playing a good ‘defence’ with your money. By managing your expenses more effectively, you can achieve greater financial progress and security, regardless of your income level.