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  • Writer's pictureThe Gadfly

So, you don’t earn six figures and you're not a rich problem! There are honestly no secrets here, slow & steady wins the race in the end.

Here's a simplified guide to help you become financially prosperous:

1. Budget Wisely: Prioritize essential costs like rent and groceries, aiming to keep them under half of your income. Aim to keep housing costs below 30% of your income if you can. This isn't always possible, but it's a good rule of thumb.

2. Tackle High-Interest Debt: Credit card debt will eat into your ability to grow wealth. Pay off these debts as quickly as possible, and always aim to pay your full balance each month. It is very hard to move forward until this step is achieved.

3. Automate What You Can: Setting up automatic transfers to a savings account whenever you get paid is always a great strategy. Out of sight, out of mind. Or, set, and forget it. Start with a small percentage and increase it as your income grows.

4. Start Small with Investments: Consider investing in low-cost index funds or ETFs. Always be sure to research and understand your investments. It's okay to start small and learn as you go.

5. Learn More About Money: Try to learn a little bit about personal finance each week. This could be reading a book, finding a helpful blog, or even listening to a podcast on your commute.


Growing wealth isn't necessarily about earning the big bucks, it's also about smart money management. With these steps, anyone can start to see growth no matter their income!

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