Income usually grows through scarce, valuable skills, reliability, and being in a market that pays for what you do. Working harder inside a role with a ceiling rarely changes much.
Part 01
The lesson
Track your own market: what do people with your skills earn elsewhere, and what skill would move you a level up? Make that skill a project with a deadline.
Reflection
Questions to sit with
- 01Do you know exactly what you spent last month, or are you estimating?
- 02If your income stopped today, how long could your household continue?
- 03What are you actually building toward financially, and by when?
Put it into practice
Action points
- 01Track every expense for 30 days and categorise them at the end. Do not change your spending in week one — just observe.
- 02List every debt with its interest rate on a single page and choose a repayment order.