I should write a book about this.

The formula goes a little something like this.

It's so simple that it's hard to make it happen.

It takes a few steps but the first one is getting your money in number as high as possible. That's what makes the end number massive.

That's where you have the most flexibility as well. There are always ways in which you can increase the money in.

Not easily but there are hundreds and thousands of little side hustles that can be used to add extra revenue to your budget. Theoretically there is no upper limit on this range and

Changing the money out figure is much harder after a certain point and there is a lower limit on this. Every single person has a minimum amount that they need to survive the week.

There are lots of ways to reduce spending and to lower your expenses on a weekly basis but you still have the basics and lets be honest, it's no fun living on a shoestring budget. It's no life really if you can't enjoy the money that you earn so i wouldn't recommend it.

Make cuts to the unnecessary bit and pieces but having fun is definitely an important part of life.

Then comes the important part of the formula. Put that money to work.

There is no point in saving $1000 a month to leave it sitting there in a bank account with 1% APR. At the rate of inflation that we are seeing these days it's just losing value every day.

Now the higher the return that you can make on your money the stronger your end number will be but that comes down to personal choice at the end of the day. We obviously all love crypto but as we have seen today it is not without it's perils.

There are much safer ways to go with investment funds, land, houses or legacy stocks that should still keep you ahead of the game but the most important thing is to put it to use.

Time is also a factor in all o this as you will have a lot more comfort after doing it for twenty years than after two but overall i think that if any of us can keep increasing our income. Keep our costs to a minimum and put the balance to work in one form or another then you should have a very comfortable life.

This is the simplified version of it but you can break it down further and further if you have the time.

Different ways to earn extra. Different ways to save money. Different places to invest.

So many options to optimize our funds every day.

Luckily we have leofinance as a great way to do two of them.

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