A Hard Truth From Experience
Let me tell you something I’ve observed after coaching hundreds of clients.
Most people don’t go broke because they earn little.
They go broke because they fall into silent financial traps that drain their future without warning.
Here are the traps stealing your progress — and you must avoid them.
1. Lifestyle Inflation
Every time your income grows, your spending grows even faster.
New phone.
New clothes.
Plus new outings.
New lifestyle.
But here’s the truth.
Your lifestyle doesn’t pay you.
It only drains you.
If you don’t control lifestyle creep today, you will always feel “stuck” no matter how much you earn.
2. Borrowing for Liabilities
This is modern slavery.
Loans for phones, vacations, outfits, brunches, or weekend “soft life” moments.
You borrow to impress people who don’t even notice.
Debt should grow you — not decorate you.
3. No Emergency Fund
One crisis can wipe out 10 years of progress.
A medical bill.
A job loss.
And family emergency.
Without a buffer, you will fall into expensive debt, stress, and survival mode.
Your emergency fund is your first line of protection.
4. No Investment Plan
Saving alone has never made anyone wealthy.
Wealth is built through intentional growth — allocating money to assets, not vibes.
When money has no direction, it quietly disappears.
When money has a plan, it multiplies.
5. Relying on One Income Source
Your salary feels safe… until it stops.
And when it stops, your entire lifestyle collapses.
Build something that pays you even when you are sleeping.
Cashflow is the real security — not the job title.
The Cent Warrior Truth
You don’t build wealth by luck.
You build it by avoiding traps and making intentional decisions.
Start eliminating these traps today.
Your future self will thank you.
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Alex Mwangi | WhatsApp 0703472299
