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Financial Freedom is 80% Behavior and 20% Math… Here’s Why.

I Love Making Money
6 min readNov 13, 2020

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One point you really need to understand is this:

Achieving Financial Freedom is 80% behavior — and only 20% math.

Let me explain using an example.

Say you evaluate your expenses, take a look at your income and investments, and create a plan that lets you live within your means, pay off your debts, and invest for the future. (All of which you will do in later Stages of this system.)

Obviously, math is involved. You’ll have to add up some numbers, subtract others… basic math. And, where investing is involved, you’ll have to apply some percentages to different amounts to decide how to invest your money. But it’s all basic math, and we’ll provide forms and worksheets to help you through.

That’s the math part. (And in reality, it’s probably less than 20% of the System.)

But here’s the key: The best plan fails if you don’t follow it. That’s why behavior is so critical. If you don’t change your behaviors, make good decisions, and follow your plan… all the math in the world can’t help you. Money management is behavior management — and changing behaviors starts with changing your perspective and your mindset.

And that’s what you’re doing right now.

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I Love Making Money
I Love Making Money

Written by I Love Making Money

Kit Elliott is the founder and CEO of I Love Making Money, an independent publisher specializing in making and management training, guides and reviews.

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