WEEKLY WISDOM

FINANCIAL PLANNING HACK

You’ve got savings.

More than you ever had.

But every time you spend…

You feel it.

Debating whether you should add that extra rice for $1.

I can’t enjoy the things I spend money on. Even cheap stuff. I always think I should’ve saved it.

But that little voice still shows up.

Because when you grow up without much, your brain doesn’t forget.

It still thinks money might disappear tomorrow.

It’s running an old script:

What if something bad happens? What if this is stupid? What if I need that money later?

So instead of enjoying what you worked for…

You hoard. You hesitate. You say no to things that would make you feel alive.

Here’s the fix:

Make a guilt-free spending fund.

Pick a number. Make it monthly. No guilt.

Just for you to enjoy without the voice in your head yelling “Irresponsible!”

Give it a name if it helps:

Joy Fund. Smoothie Account. Sunset Money.

Whatever makes it feel less like spending, and more like living.

You have permission to enjoy it.

You already earned it.

Saving protects you.

Spending reminds you you’re alive.

Talk soon,
Josh

P.S. If you’d like us to break down your portfolio or ask a question, submit yours here: https://shrewdinvestor.com/roastme

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The content provided in this newsletter is for informational purposes only and should not be considered as specific advice for any specific individual. The information is prepared by knowledgeable individuals and is not written by certified tax professionals or investment advisors. For personalized advice tailored to your unique financial situation, consult with a qualified tax professional, financial advisor, or attorney.

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