If I made more money, I’d finally be able to save and invest. Wealth is for people with six-figure incomes, not someone like me. I can barely cover my bills—how am I supposed to build wealth?
If you’ve ever thought this, you’re not alone. Many people believe that only rich people can achieve financial freedom. But here’s the truth:
Building wealth isn’t about how much you make—it’s about what you do with what you have.
You don’t need a high salary to start making smart money moves. You just need the right strategy, consistency, and a mindset shift. Let’s break down the myths that keep people stuck—and how to start building wealth, no matter your income.
Myth #1: “I Don’t Make Enough Money to Save”
One of the biggest wealth-building mistakes? Waiting until you “make more” to start saving.
Why this mindset keeps you stuck:
If you tell yourself you’ll start saving “when you make more money,” you’ll always find new expenses to fill the gap. Lifestyle creep (spending more as you earn more) is a real thing!
What to do instead:
Start small. Even if it’s just $10 a week, the habit of saving is more important than the amount. As your income grows, your savings will grow with it.
Myth #2: “I Need to Pay Off All My Debt Before I Can Build Wealth”
It’s true—debt holds people back. High-interest debt can drain your finances, making it harder to save. But waiting until you’re debt-free to start building wealth is a mistake.
Why this mindset keeps you stuck:
While aggressively paying off debt, you might be missing out on time in the market (and compound interest working for you!).
What to do instead:
A balanced approach is key. Make a plan to pay off debt, but also start investing—even in small amounts.
For example:
Pay more than the minimum on high-interest debt Put at least a small percentage of your income toward investing Avoid new debt whenever possible
This way, you’re tackling debt while also making progress toward financial freedom.
Myth #3: “Investing Is Only for Rich People”
This one is a huge myth! Many people think they need thousands of dollars to start investing, but that’s simply not true.
Why this mindset keeps you stuck:
If you believe investing is out of reach, you delay starting—and miss out on years of compound growth.
What to do instead:
Start with what you have! Today, you can invest with as little as $5 using fractional shares in ETFs or index funds. The earlier you start, the more time your money has to grow.
Example: If you invest just $50 per month starting at age 25, with an 8% return, you could have over $180,000 by retirement—even if you never increase your contributions!
Myth #4: “I Need to Be Good at Math or Have a Finance Degree”
Nope! You don’t need to be a financial expert to manage your money well. Wealth-building isn’t about complicated formulas—it’s about simple, consistent habits that anyone can follow.
What to do instead: Use automation: Set up auto-transfers to savings & investments Keep it simple: Choose low-cost index funds instead of trying to pick stocks Focus on consistency: Small, steady progress beats perfection
Managing money is a skill you can learn—and it’s way easier than most people think!
The Truth: You Can Start Building Wealth at Any Income Level
The biggest difference between those who stay stuck and those who achieve financial freedom?
They start before they feel ready.
You don’t have to:
Make six figures Be debt-free Have extra money sitting around
You just need a plan. The Money Mastery Bootcamp helps you create a clear, step-by-step system to ditch financial stress, stop living paycheck to paycheck, and start growing wealth—no matter your starting point. 
Spots are limited—join the waitlist now!
Join the Waitlist
Financial freedom isn’t just for the rich. It’s for action-takers like YOU.
Here’s to Mastering your Moola!
— Heidi
