Real talk for anyone in the financial stranglehold: for years we bought groceries and Christmas on credit because there was nothing left over. No runway, no spare dollars. What broke the cycle wasn't a raise. It was automating 1% out of every paycheck before I saw it, then nudging it up each time my pay went up. Boring, invisible, and it worked โ the payoff was freedom, not a bigger balance. Wrote up the whole messy version, second jobs and all. What was the first habit that actually moved the needle for you? ๐ https://retirementraise.substack.com/p/we-bought-groceries-on-a-credit-card?r=89es6v
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We Bought Groceries on Credit. Then We Retired. | Passive Income | Blossom Social