Stop the inflation of your lifestyle: a salary of 3 million rupiah can be enough if you have a clear financial plan
Money only follows habits, not plans. That is why this statement is so important. No matter how high your salary is, without a system, it will always feel insufficient.
Someone earning 3 million rupiah can feel sufficient if he or she has a clear financial plan. Conversely, someone earning 15 million rupiah can still feel insufficient, because his or her lifestyle always increases with income.
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Without a system, all salary increases lead to higher expenses, not to more wealth. We call this lifestyle inflation, and it quietly undermines our chances of earning our first 100 million rupiah.
The reality is that many of us live reactively, not proactively. We pay what comes first. We spend based on emotion. We save when we have some left over, while in reality, there is almost never anything left.
If this pattern does not change, our financial situation in five years will be virtually the same as it is now. Only the amounts might be slightly different. And that is not fate. It is because we have never built a system that forces us to take action.
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Therefore, stop blaming circumstances. Not because it isn’t difficult, but because blaming circumstances changes nothing.
As soon as you realize that the problem is the system, and not your salary, you take back control. You are no longer a victim of circumstances, but the architect of your own finances. And the good news is: that system can be built.
You don’t need an economics degree, or tens of millions of rupiah in income. The only thing you need is the determination to stop letting your money flow aimlessly.
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So, before we delve into the technical strategies, remember this well: you are not a victim of a low salary. You simply do not have the right system yet.
Start building that system, step by step, in a realistic way. ***tok
