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Wealth isn’t just about having a big number in your bank account. It’s about freedom: freedom to choose how you spend your time, where you live, who you work with, and what kind of future you build for yourself and your family.

The problem is, most people are never taught how to become wealthy. We’re taught how to earn money, but not how to keep it, grow it, and use it wisely.

This guide from Bananfew breaks down wealth-building into practical, realistic steps almost anyone can follow—no lottery wins, no get-rich-quick scams, just consistent actions over time.

We’ll cover:

• What “wealth” really means 
• The mindset differences between the rich and the struggling 
• How to set a clear financial target 
• The four pillars: earning, saving, managing debt, and investing 
• Common traps that keep people broke 
• A step-by-step action plan to start today

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1. What Does “Wealthy” Actually Mean?

Before you aim for wealth, define it.

For most people, wealth = time + security + options, not just income.

Ask yourself:

• If you stopped working today, how long could you live at your current lifestyle? 
• Could you handle a major emergency without going into debt? 
• Are you working because you want to or because you have to?

A useful way to think about wealth is this:

Wealth = Assets that make you money – Liabilities that cost you money

• Assets: investments, businesses, rental properties, skills that increase your earning power 
• Liabilities: high-interest debt, unnecessary car loans, lifestyle spending that doesn’t bring long-term value

You become wealthy when your assets can pay for your lifestyle—so you’re no longer forced to trade time for money.

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2. The Wealth Mindset vs. The Paycheck Mindset

Becoming wealthy starts in your mind long before it shows up in your bank account.

Here are some key mindset shifts that separate wealthy people from those who stay stuck.

a) From “I can’t afford it” to “How can I afford it?”

People stuck in scarcity see prices and immediately say, “I can’t.” Wealth builders ask:

• “What would I need to do or build to afford this?” 
• “Can this purchase help me make more money in the future?”

They don’t blindly say yes or no—they think in terms of possibilities and trade-offs.

b) From Consumer to Owner

Most people see money as something to spend. Wealthy people see money as something to deploy.

• Instead of just buying the newest phone, they ask: “Should I buy shares in the company that makes this phone?” 
• Instead of only paying rent forever, they ask: “How could I eventually own income-producing property?”

You don’t have to stop enjoying life—but shifting even part of your money from consuming to owning is a fundamental change.

c) From Short-Term to Long-Term

Wealth is built over years, often decades.

• The paycheck mindset: “I want a raise now, a new car now, a vacation now.” 
• The wealth mindset: “I’ll sacrifice some comfort now to buy freedom later.”

This doesn’t mean living miserably. It means purposefully choosing where your money goes instead of letting every impulse win.

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3. Step One: Know Your Number

“Wealthy” is vague. “I want $1 million” is also vague if you don’t know why.

A better approach:
Define your Financial Freedom Number—the amount of money (or assets) you need for your investments to cover your living costs.

Simple way to estimate

1. Add up your monthly living expenses (housing, food, transport, insurance, utilities, basic fun).
   • Example: $3,000/month
2. Multiply by 12 to get yearly needs.
   • $3,000 × 12 = $36,000/year
3. Use the 4% rule as a rough guide (a common rule of thumb in investing).
   • Take your yearly cost and divide by 0.04. 
   • $36,000 ÷ 0.04 = $900,000

That means:
If you had around $900,000 invested in a reasonably balanced portfolio, earning about 4% per year, it could (in theory) cover your living expenses.

Your actual number may be lower or higher, but having a target helps:

• You stop dreaming vaguely and start planning concretely. 
• You can calculate how much you need to invest monthly to get there.

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4. Pillar One: Increase Your Earning Power

You can’t become wealthy by cutting lattes alone. Earning more is usually the fastest way to accelerate wealth.

Think in two categories:

• Active income – you trade time for money (job, freelance, services). 
• Future passive income – money or systems work for you (investments, business, royalties, rental income).

a) Maximize Your Current Income

Before you chase something new, optimize what you already have.

• Get better at what you do.
  Higher skills → higher value → higher pay. Take courses, ask for more responsibility, solve bigger problems at work.
• Negotiate your salary.
  Research market rates, quantify your value (how you increased revenue, saved time, solved problems), and ask for a raise.
• Look for higher-paying roles or industries.
  Sometimes, switching companies or sectors has a bigger income impact than years of loyalty in the wrong place.

b) Build New Income Streams

Diversifying income is one of the most powerful wealth moves.

Examples:

• Freelance work (writing, design, coding, marketing, consulting) 
• Service businesses (cleaning, tutoring, pet care, virtual assistance) 
• Digital products (courses, ebooks, templates) 
• Long-term project: building a brand, blog, YouTube channel, or small online business

Not all side hustles are worth your time. Good ones:

• Use your strengths 
• Can scale or increase over time 
• Don’t destroy your health or main job

Your goal isn’t to work 18 hours a day forever—it’s to raise your income now so you can invest more and build assets.

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5. Pillar Two: Control Spending Without Hating Your Life

To build wealth, you must consistently spend less than you earn. There’s no way around this.

But it doesn’t mean you have to feel deprived or bored every day. It means spending intentionally.

a) Know Where Your Money Actually Goes

If you don’t track it, you can’t improve it.

For one month:

• Write down every expense, or 
• Use a banking app / budgeting app that categorizes spending for you.

You’ll likely find “invisible leaks”:

• Subscriptions you don’t use 
• Food delivery that quietly adds up 
• Online impulse purchases

Those leaks are future wealth silently disappearing.

b) Use a Simple Budget (That You’ll Actually Follow)

A complex budget is useless if you ignore it. Keep it simple.

One method: 50 / 30 / 20 rule (adjust as needed)

• 50% → Needs (rent, food, utilities, transport) 
• 30% → Wants (fun, eating out, entertainment, non-essential shopping) 
• 20% → Financial goals (debt payoff, investing, saving)

If you’re serious about becoming wealthy faster, you might aim for something like:

• 50% needs 
• 20% wants 
• 30% investing / debt payoff

The exact numbers matter less than the discipline of sending money to your goals before you spend it elsewhere.

c) Cut Costs Strategically, Not Emotionally

Ask this about each expense:

• Does this meaningfully improve my life? 
• Can I get the same benefit cheaper? 
• Is this more important than reaching financial freedom sooner?

Cut aggressively where:

• You don’t care that much about the outcome 
• The cost is high but the joy/value is low

Keep or even increase spending where:

• It genuinely improves your life or productivity 
• It supports your health and relationships

Wealth isn’t built just by saying “no” to everything—it’s built by saying “yes” to what truly matters and “no” to what doesn’t.

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6. Pillar Three: Eliminate Bad Debt

Debt isn’t always evil (a carefully used mortgage or student loan can be a tool). But high-interest consumer debt is a huge wealth-killer.

Every dollar you pay in credit card interest is a dollar that can’t go into investments.

a) Identify Your Bad Debt

Typical examples:

• Credit cards 
• Store cards 
• Buy Now, Pay Later balances 
• High-interest personal loans

List each one with:

• Balance 
• Interest rate 
• Minimum payment

b) Choose a Payoff Strategy

Two popular methods:

• Debt Snowball:
  Pay off the smallest balance first, then roll that payment into the next.
  → Best for motivation.
• Debt Avalanche:
  Pay off the highest interest rate first.
  → Best for saving the most on interest.

Either is fine. The best method is the one you’ll stick with consistently.

While paying off debt:

• Avoid taking on new debt if at all possible. 
• Build a small emergency fund (even $500–$1,000) so you don’t run back to the card when life happens.

Each debt you kill is like removing a weight that’s slowing your wealth-building down.

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7. Pillar Four: Invest Early and Consistently

Saving alone won’t make you rich. Investing is where wealth truly compounds.

a) Understand the Power of Compound Growth

Compound growth means:

• Your money earns returns 
• Then those returns start earning returns 
• Over time, the curve accelerates

Example (simplified):

• You invest $500/month at a 7% annual return. 
• After 10 years: roughly $86,000 
• After 20 years: roughly $260,000 
• After 30 years: roughly $568,000

Same monthly contribution, but time makes the biggest difference.

The earlier you start, the more your money works for you.

b) Learn the Basics of Asset Types

Common wealth-building investments:

• Stock market (equities):
  Ownership in companies, typically via index funds or ETFs. Historically strong long-term returns, but short-term ups and downs.
• Bonds:
  Lending money to governments or companies. Often more stable, lower return than stocks.
• Real estate:
  Rental properties or REITs (real estate investment trusts). Can provide income + growth, but requires more research and management.
• Businesses:
  Your own company or shares in private businesses. High risk, potentially high reward.

For most people, a simple mix of low-cost index funds in a retirement or investment account is the most realistic and effective long-term strategy.

c) Automate Investing

Remove willpower from the equation.

• Set up automatic transfers to your investment accounts right after payday. 
• Treat investing like a non-negotiable bill.

If markets fall, don’t panic-sell. Wealthy people think long term; they see downturns as:

• A sale on assets, not the end of the world.

Of course, all investing involves risk. Educate yourself, consider your risk tolerance, and understand what you’re investing in before committing.

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8. Protect What You Build

Becoming wealthy isn’t only about making and growing money. It’s also about not losing it all.

a) Build an Emergency Fund

Aim for:

• At least 3–6 months of essential expenses in an easy-access savings account.

This fund:

• Keeps you out of emergency debt 
• Gives you independence—losing your job or facing a surprise bill becomes stressful, but not catastrophic

b) Get the Right Insurance

Insurance is protection against financial disaster:

• Health insurance 
• Life insurance (if others depend on your income) 
• Disability insurance (in case you can’t work) 
• Home/renters/car insurance

No one loves paying for it, but a single major event can wipe out years of progress if you’re uninsured.

c) Learn Basic Tax Strategy

Taxes are one of your biggest expenses.

Small improvements in tax efficiency can accelerate your wealth:

• Use tax-advantaged accounts available in your country (e.g., 401(k), IRA in the U.S.; ISAs in the UK; equivalents elsewhere). 
• Learn allowable deductions and credits for your situation. 
• If your finances are complex, consider a professional.

Every tax dollar legally saved is an extra dollar that can be invested.

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9. Avoid Common Wealth-Killing Traps

Even smart people fall into patterns that quietly destroy their wealth potential.

a) Lifestyle Creep

As income rises, spending rises with it—nicer car, bigger apartment, more dinners out.

If every pay increase is matched by lifestyle upgrades, your wealth never grows. The key:

When your income goes up, let your saving and investing go up faster than your lifestyle.

b) Keeping Up with Others

Comparing your life to social media or your neighbor’s new car is a fast path to bad decisions.

You see:

• The car 
• The vacations 
• The clothes

You don’t see:

• The debt 
• The stress 
• The insecurity

Wealth-building requires being okay with looking “behind” in lifestyle while you secretly race ahead financially.

c) Chasing Hot Tips and Get-Rich-Quick Schemes

If it sounds too good to be true, it usually is.

• “Guaranteed” returns 
• Secret crypto or stock signals 
• High-pressure sales pitches

Real wealth:

• Is usually built slowly
• Requires understanding what you’re doing 
• Doesn’t rely on luck or magic

Stick with strategies you understand, and be wary of anyone promising easy money.

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10. A Practical Step-by-Step Plan to Start Today

Let’s bring this together into concrete actions you can take.

Week 1: Get Clarity

1. Calculate your net worth:
   • Assets (cash, investments, property) – Liabilities (debts) 
   • This is your starting line.
2. Track your expenses for 30 days.
   • Use an app, spreadsheet, or notebook.
3. Define your financial freedom number.
   • Monthly needs → annual needs → divide by 0.04 (as a rough guide).

Month 1–3: Stabilize and Create a Foundation

4. Build (or start) an emergency fund.
   • Aim for at least $500–$1,000 at first, then grow towards 3–6 months of expenses.
5. Make a simple budget.
   • Decide in advance how much goes to needs, wants, and financial goals.
6. Tackle high-interest debt.
   • List debts; choose snowball or avalanche; commit a fixed extra amount monthly.

Month 3–12: Grow Your Gap (Income – Expenses)

7. Increase income.
   • Ask for a raise, apply for better roles, or start a side hustle using your skills.
8. Trim low-value spending.
   • Cancel unused subscriptions, reduce expensive habits that don’t add much joy.
9. Begin or increase investing.
   • Start with a small amount if necessary—consistency matters more than size at first. 
   • Learn about index funds and long-term investing.

Year 1–5: Build Serious Momentum

10. Automate your wealth.
    • Automatic transfers to savings and investment accounts right after payday.
11. Upgrade skills and career.
    • Take courses, read, network, get certifications that increase your value.
12. Regularly review and adjust.
    • Every 3–6 months, review:
      • Net worth 
      • Debt balances 
      • Investment contributions 
      • Income and expenses
13. Protect your progress.
    • Grow your emergency fund. 
    • Update insurance if your situation changes. 
    • Learn basic tax strategies for your country.

Over time, you’ll notice:

• Debt shrinking, then disappearing 
• Savings and investments growing 
• Less money stress and more options

This is what becoming wealthy feels like from the inside: gradual, steady, almost boring progress that adds up to something extraordinary.

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Final Thoughts: Wealth Is a System, Not a Single Move

No single decision will make you rich overnight.

Wealth is the result of:

• Thinking long term 
• Earning more than you spend 
• Using debt carefully (or not at all) 
• Investing consistently 
• Protecting what you’re building

Most importantly, it’s about doing the right things over and over again, even when no one is watching and it doesn’t feel exciting.

If you’re starting from zero—or from deep in debt—this might feel far away. But every wealthy person you see started somewhere. Nearly all of them:

• Made a decision to change 
• Learned new skills 
• Stayed consistent even when it was slow

You can do the same.

If you’d like, you can share (without personal details) your income, monthly expenses, and debts, and we can help sketch a personalized starting plan for your wealth journey.

How to Get Out of Debt Using the Snowball Method
Simple steps anyone can follow – even if money feels tight right now.

If you feel overwhelmed by debt, you’re not alone. Many of us juggle credit cards, personal loans, car payments, and buy-now-pay-later balances that never seem to shrink.

The good news: you don’t need complex math or a finance degree to take control. The Debt Snowball Method is a simple, proven system that helps you build momentum and finally get out of debt.

In this guide, we’ll walk through:

• What the Debt Snowball Method is 
• Why it works (even if it’s not always “mathematically perfect”) 
• Step-by-step instructions you can start today 
• How to stay motivated and avoid common mistakes

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What Is the Debt Snowball Method?

The Debt Snowball Method is a way of paying off your debts by focusing on the smallest balances first, not the highest interest.

You:

1. List all your debts from smallest balance to largest.
2. Pay the minimum on every debt.
3. Throw every extra dollar at the smallest debt until it’s gone.
4. Once that’s paid off, roll (or “snowball”) its payment into the next smallest debt.
5. Repeat until you’re debt-free.

Imagine a snowball rolling downhill: it starts small, then gets bigger and stronger as it moves. Your debt payments do the same—your payoff power grows with every balance you eliminate.

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Why the Snowball Method Works

On paper, paying off the highest interest rate first (called the avalanche method) can save more money over time. But most people don’t stick with it.

The snowball method focuses on psychology, not perfection:

• Quick wins: Paying off a small debt fast gives you a real sense of progress. 
• Momentum: Each victory frees up cash to attack the next debt harder. 
• Motivation: Seeing balances disappear keeps you going when things feel slow.

Getting out of debt is more about behavior and consistency than perfect math. The best method is the one you’ll stay committed to.

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Step 1: List All Your Debts

Gather:

• Credit card statements 
• Personal loan details 
• Car loan statements 
• Store cards / BNPL (Klarna, Afterpay, etc.) 
• Any money you owe friends/family (if you plan to pay it on a schedule)

Make a simple list with:

• Name of lender (e.g., Visa Card, Personal Loan, Car Loan) 
• Total balance 
• Minimum monthly payment 
• Interest rate (for awareness, but not sorting)

Example:

Debt	Balance	Minimum Payment	Interest Rate
Store Card	$300	$25	21%
Credit Card A	$1,200	$35	24%
Personal Loan	$4,000	$110	12%
Car Loan	$8,500	$260	6%

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Step 2: Order Debts from Smallest to Largest

Ignore the interest rates for now. Reorder your list by balance only, from smallest to largest.

Using our example:

1. Store Card – $300 
2. Credit Card A – $1,200 
3. Personal Loan – $4,000 
4. Car Loan – $8,500

This is your debt snowball list. You’ll attack them in this order.

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Step 3: Find Your “Extra” Payment Money

To make the snowball work, you need something extra—even a small amount—above your total minimum payments.

1. Calculate your total minimums across all debts. 
2. Look at your monthly income and expenses:
   • Can you cut back temporarily on eating out, subscriptions, or impulse buys?
   • Can you add income (overtime, side gigs, selling unused items)?

Even $30–$50 extra per month makes a difference. The key is consistency.

At Bananfew, we often suggest tracking every expense for just one month. People are often surprised how much “lost” money can be redirected to debt.

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Step 4: Attack the Smallest Debt First

Now you start rolling.

• Keep paying the minimum due on every debt except the smallest.
• Put all extra money toward that smallest debt.

Using our example:

• Store Card (smallest): Minimum $25 + an extra $75 you found in your budget 
• All other debts: Pay minimums only

If your Store Card balance is $300, you’ll clear it in about 3 months or less, depending on interest and how much extra you pay.

When that balance hits $0, celebrate—it’s a real win.

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Step 5: Snowball the Payment to the Next Debt

Once your smallest debt is gone:

• Take its entire payment amount and roll it into the next smallest debt. 
• Keep paying minimums on the rest.

Continuing the example:

• Store Card is now $0
• You were paying $25 (minimum) + $75 (extra) = $100 total each month

Now:

• Credit Card A minimum: $35 
• Add the $100 snowball from the Store Card 
• New payment on Credit Card A: $135/month

You’re now attacking the second debt with much more power than before.

When Credit Card A is gone, you take that $135 and add it to the next debt’s minimum, and so on.

By the time you get to your largest debt, you’re hitting it with a huge monthly payment made up of all your previous minimums combined.

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Step 6: Stay Consistent Until You’re Debt-Free

Repeat the pattern:

1. Focus on the smallest debt. 
2. Pay minimums on everything else. 
3. Throw all extra money at that smallest debt. 
4. When it’s gone, roll its payment into the next one.

The timeline depends on:

• How much you owe 
• How much extra you can pay each month 
• Whether you take on new debt (try not to)

But progress is guaranteed if you stick with it and don’t add new debts.

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Example: How the Snowball Grows

Let’s say your starting minimums look like this:

• Store Card: $25 
• Credit Card A: $35 
• Personal Loan: $110 
• Car Loan: $260

Total minimums: $430/month

You find an extra $120/month, so your starting snowball is:

• Store Card: $25 + $120 = $145/month

Once the Store Card is gone:

• Credit Card A: $35 + $145 = $180/month

Once Credit Card A is gone:

• Personal Loan: $110 + $180 = $290/month

Once the Personal Loan is gone:

• Car Loan: $260 + $290 = $550/month

You didn’t magically earn more money—you just redirected what you were already paying. That’s the power of the snowball.

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How to Avoid Common Mistakes

1. Still using credit cards the same way
   • If possible, stop using the cards you’re trying to pay off. 
   • Or at least don’t add to the balance you’re attacking.
2. Skipping an emergency fund
   • Even while in debt, aim for a small buffer (e.g., $300–$500). 
   • This prevents one unexpected expense from sending you back to the card.
3. Ignoring your budget
   • The snowball only works if the money is actually there each month. 
   • Track your spending, even briefly, to make sure your plan is realistic.
4. Quitting when progress slows
   • The first debts vanish fastest; the big ones take longer. 
   • Look back at how far you’ve come to stay motivated.

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Tips to Stay Motivated

• Visual progress:
  • Create a debt payoff thermometer or chart on your wall or phone. 
  • Color in sections as each debt disappears.
• Micro-milestones:
  • Celebrate each debt paid off (for free or cheap: a special home-cooked meal, movie night, walk in a favorite place).
• Accountability:
  • Tell a trusted friend or partner about your goal. 
  • Check in monthly on your progress.
• Remember your “why”:
  • More freedom? Less stress? Ability to save or invest? 
  • Write it down and keep it where you’ll see it.

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When the Snowball Might Not Be Best

The snowball method is powerful, but there are cases where you should pause and consider other options:

• You’re missing payments or facing collections.
• You’re considering bankruptcy.
• Interest rates are extremely high and unmanageable.

In those situations, it can help to speak with:

• A non-profit credit counseling agency 
• A licensed financial professional in your country

They can help you understand options like consolidation, hardship plans, or other strategies.

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Final Thoughts

The Debt Snowball Method works because it’s:

• Simple to understand 
• Easy to start 
• Built to keep you motivated

You don’t need to be perfect. You just need to:

1. List your debts from smallest to largest. 
2. Pay minimums on all, attack the smallest with everything extra. 
3. Roll each payment into the next debt as you go. 
4. Repeat until your debts are gone.

If you want, share your list (with no personal details) and we can help you sketch out a basic snowball plan step by step.

It’s Sunday morning, not bright or early. I am just a late riser, a late starter, late bloomer, you think of something late and that maybe me. just maybe.

its early and I am sitting at the table, no breakfast , no food, nothing at all just a table with computers, my youngest child sitting across from me, just playing away.

For him there is no care, nothing to worry about, just life, live and enjoy.

for me it’s different. it is everything, all combined into one. to see a world that I have created and mostly failed at almost everything done or tried makes me wonder, what I am creating for him?

That’s when it hits. Surprisingly when something hits like that, it hits hard. take a ton of bricks, solid bricks condense them into a tiny ball then, drop it on your pinky. if you can see fathom that, imagine the pain you will feel then multiple that by 10. that’s how much it hurts.

it hurts because I have been Living for years, working hard for years, making a decent income for years then I checked my bank account. how much have I grown since?

Money as a Marker

Long time ago, starting out, someone said, ” as you become better your account will show.” Your bank account can be used as a marker for growth.

meaning: As you become better at a skill, you will grow. example, a new trader just learning how to trade, their will be losses however, if you keep practicing, learning and growing, the losses becomes less and less, the growth becomes more and more and so much more, as a result your account grows.

your account grows, 1000$ to 2000$………millions paid only in persistence. paid in the will to staying true to a plan.

Staying with the plan, trusting the process even when you can’t see the end. Trust the process. be patient just wait a little longer whatever you do, do not end it prematurely.

mistakes to change

Imagine how many different plans I have started. Imagine how many completed. compared to the amount started, NONE. Moving from one to the next, to the next and to the next, now too many plans pending and little or none completed.

simply because, I did not stick to the plan.

the past is the past it can’t be changed but it is a good marker. time to start learning from mi mistakes. time to do better.

This is day one to the changed.

Starting with a story.

This story is not mine, but something I heard a long time ago. I am sure you may have heard it once or twice. I will tell you the story, then give my opinion. Remember, these are my opinions, just my thoughts on a story heard.

“There was a man, a businessman. In the eyes of his employees, he was miserable, ruthless, unforgiving, and all the bad things you could think of. His employees created that picture of him, except for one: The manager. “

“This manager, in the eyes of the businessman’s employees, could do no wrong; he was the best. He would buy them food, approve raises, support each employee’s causes, help families, and much more. Employees could approach him at any time, no matter what the circumstances. He was willing to help.”

“The business became more successful, and the business grew. The manager became more famous amongst his peers. The business became more hated. It seems like he never cares. One day, the businessman became really sick. This sickness really took a toll on him, he wasn’t able to fight this off. he died. “

the funeral

At his funeral, the manager’s speech was very long, to only a few employees who showed up. The manager was very upset. In his speech, he said. ” For everyone that is here today, thank you for coming, and for everyone that is not, please let them know what was said. “This man was a great man, he loved his employees, and he showed his love through me.”

For every problem his employees face, he helps. He paid for school, increased wages, provide the money for dinners, dance, birthday parties, gifts, and so much more; however, all of those were done through me.

He cared deeply about all, but no one ever asked him how he felt, so he wears a mask and pretends. He took on the role of an angry, selfish person and played it very well. “

lets go back

Is it important to know why someone cares about you? In all fairness, I think it is. Is it important to know that someone, anyone, would risk their lives, their health, to ensure your safety and well-being? I think so.

Imagine how those employees felt when finding out the truth after their employer died. The person who was taking care of them. The person who answered their calls, through another person, would a thank you after death be enough?

….. to be continued

Work week begins, it’s early morning, and looking for something, something simple, a small reminder as to WHY?

In my case,

It doesn’t take much. A little push, a little reminder, it’s like a little morning coffee, something to give that extra jolt needed to say yes…

Yes, this is the reason why we are up early every morning with little or no sleep…Yes, this is the reason for those long work hours…And yes, this is why we must keep going… this affirmation from qoutciety was enough

and it goes

” I don’t care who is doing better than me, I am not here to compete with anyone else, my only rival is the person I was yesterday,

Last year, I was someone different. I have grown, learned, and improved, and that’s what matters most—it’s me against me. Every day I wake up, determined to go further, I’m constantly challenging my limits, pushing to be a better version of myself.

I won’t let someone else’s success make me feel less; their journey is their own, and mine is mine. I know exactly where I’ve come from and where I am heading.

So I keep pushing forward, not to outshine anyone else, but to outdo who I used to be. That’s my purpose. When I look back one day, I’ll know that every step I took, every struggle I faced, and every victory I earned is mine alone, my growth, my journey.

That's my legacy, and in the end, that's all I need." (quotciety)

This motivational quote reminded me of a story I read a long time ago go. Whenever I remember the name of this book and author, I will revisit this post and update.

The author says, imagine you are at your funeral, everyone is there, everyone. What would they say about you?

Whatever they say about you, is that person who you are right now? If that’s not true, it’s time to wake up. Time to push yourself, go further, challenge those limits. Start building a legacy now to create the person you want to be tomorrow.

Thank you for that quote….

If your mind is uncomfortable with something, it will not be easy to do, at least initially. Keep going. Do stop, don’t give up just yet.

It will get easier and much easier.

Every day, one story, with each story a new plan that carries over from the last post. Each post is very short. If at the end of each post, you can identify the action step, Excellent job; the goal has been accomplished.

Now let's begin

Look at yourself and consider where you are now in life. No, really, sit down and look at yourself. You don’t need a mirror for this exercise; that is not what I meant.

Try this instead: sit down, somewhere peaceful, somewhere quiet, try being alone. It could be a park, a noisy subway, or a busy airport, your choice. When you find that place, just sit down.

Close your eyes or leave them open, the choice is complete and yours. Take a breath in, then breathe out. Breathe in the new connection to life’s consciousness. Breathe out the past and let it go. Breathe in again and as you do, look back on all that you have done, good or bad.

Breathe it out, all the pain from yesterday, all the miseries from the day before, for all those hurt, breathe them out, then let them go.

Now that's done.. here we go.

Listening to wise gurus, monks, priests, your therapist, your spiritual leaders, is great; they all mean well, all of them have been through a phase (all the great ones). All of them were broken down into pieces ( if you understand), then moulded into something new.

Maybe not something new, they were always themselves, they were able to find their truth, they were able to unlock their fullest potential. Ask them, I am sure whoever is willing to tell, if you are willing to listen, the stories you hear, you will be amazed.

taking Action

You will be amazed because all it took for their lives to change was one day; they sat down. Looked back and accepted themselves then, as painful and as hard as that was, they “emptied that cup, and started new.”

I wonder what starting new means for you.

Can I explain…

Not long ago, the starter on my daily driver, the vehicle that takes me back and forth to work, fishing, picking up and dropping off kids, family, and friends, just died.

It had to be fixed. But by whom, the dealer, a regular friend’s garage, or fix it myself?

Let's get into it

Let’s quickly weigh the costs and benefits of each. removing most of the details and just showing the final cost.

option 1.

fixing it by the dealer:

Then, diagnosing and fixing, because of the type of car and brand, the cost was between $2,400.00 – $5,000.00. Fixing the vehicle at the dealership does have its benefits, when it comes to warranty, someone to blame in case something goes wrong; however, the dealership price wasn’t beneficial, the cost to remove and install a starter was too expensive.

The other option: Taking it to my friend's garage

Wonderful idea, much cheaper, so much cheaper, only paying for the part and a much smaller labor fee, total cost under $1,000.00. Excellent when it comes to savings, but is it wonderful?

My friend may be the best mechanic, with no guarantee. My friend’s intentions may be good, but, may break something, resulting in expenses that could have been avoided. In addition, what if this car is a new brand for my friend, then my vehicle becomes an experiment that will help him/her become better or worse.

The third option: Fixing it myself.

And this is the option I chose.

Choosing this option became the only viable option because of the price. The dealer was too expensive, the immediate upfront cost didn’t seem fair.

My friend’s garage, immediate cost was excellent, but the potential cost was too expensive.

Fixing it myself allowed learning something new, make mistakes, learning from those mistakes, and build on them.

Just to delve a little deeper. Committing to fixing it myself required work. Google search, YouTube videos, advice from mechanics on forums, social media, and more.

When you are committed to a task, the information you need to get it done seems to just appear. It seems like your mind opens up and connects effortlessly.

And effortlessly, things seem to just fall into place. But first, you must commit.

And yes, removing and replacing my broken starter with a new one was so much easier than I thought.

So I commit to the task and then take action.

Step 1: commitment.

Step 2: taking action.

Blogging is a new thing, you may not think so, but for me it is. What to write, how to write- all these thoughts take control the moment you sit down to start the daily post.

In addition, everything that was never an important thought before sitting down becomes one. The stove is on, the door is open, the lights are on, and so many more. But a little trick, don’t try to tune them out. Write them as they come, let your thoughts flow.

This post will be very short; it will not take more than 2-3 moments of your life, and in all fairness, thank you for sharing these few moments with me. thank you.

Now that trick

Years ago, there was an online course about blogging, getting traffic, “making money online,” and how to do it. I did that course from beginning to end, repeated it too, did I take action then?

No, I did not.

I am not sure why I didn’t; it could be for many reasons: too busy, work, kids, life, and so much more. However, those reasons don’t matter because I did not take action then.

Even though I did not take action then, repeating the course so many times burned it into memory; now it is time to put those steps into action.

Here it is..

The course started with the basics, how to choose a domain, and choosing a niche, identifying your audience, all those basic requirements were a part of the course, but the part that stood out, the trick that I am writing about, is this one statement made.

"It would not be wise to invite an audience to an empty blog."

His advice is, ” Take 30 days to build your inventory by writing a daily post. Try this for 30 days, and after the 30 days, start inviting because when they come, you want them to stay a while, interact with you, share a thought, share a comment before moving on to come back again. “

He also said, “Committing and sticking to that commitment may not be easy, but if you do, you will see how you change.”

Thank you for reading: The journey to unlocking your fullest potential has started. Step 1: Commitment.

In all fairness, it is only polite to welcome you to my blog, to your blog. It has always been a dream of mine to start something meaningful, something that I can look back on one day and say, “Yes! Yes! I did this and that together. ”

Blogging, whether it is a video blog (VLOG) or a regular Blog like this one, I wanted to do it, I wanted both; however, being in front of a camera can be weird.

So many strange things go through your mind. “Will it turn out well? Will they find it interesting? Will anyone see it? What would they think?” All those what-ifs and wills … tie your hands, block your thoughts, causing you to sit, stare at the camera, and nothing ever gets done.

Nothing happened, and the blog/vlog sits. Only a mere domain name that sits, does nothing. Nobody sees, no one comments, and no feedback is obtained.

However, if nothing happened, it creates a little nagging thought in the back of your mind. That little nagging thought that never goes away. It just stays there. Every day, it hounds you a little more.

The buildup continues until it becomes impossible to ignore, then you give in.

I am giving in, giving up, going after something I truly want to accomplish. I want to see what I can do, I want to see what it means to unlock my fullest potential.

This blog will provide content that shows how to live, how to grow, how to experience the person, how to experience you, how to build, and most importantly, because it’s a learning blog, as we grow together, let us experience together what it means to unlock our fullest potential.

Welcome to this journey.

Let’s keep in touch.