.How To Avoid High-Income Lifestyle Creep
How To Avoid High-Income Lifestyle Creep
By Poor Swiss
Posted in Dinar Recaps Archives on 7/13/2019
My personal goal is to become financially free as soon as possible. As a software engineer in Switzerland, I am earning about $130,000 per year, and, lifestyle creep is one of the toughest parts of my life.
With my salary, I am viewed as a high-income earner. And, people think that earning a high-income makes it easier to become financially free.
And in many ways, it does.
But, most high-income earners are not financially free and a lot of them are not even wealthy.
Americans more credit card debt than savingsThe main reason for that is lifestyle creep, and in this post, I’m going to spill the beans about how I battled with the devastating phenomenon as well as how I’m avoiding its grasp!
And more importantly, how high-income earners can overcome lifestyle creep and achieve their own version of financial freedom!
Lifestyle Creep
Let’s start at the beginning: what is lifestyle creep?
As people earn more, they have a tendency to spend more. This means that even though you earn more money each money, you are not saving more. In other words, you aren’t acquiring additional wealth. At least, not much.
This is as simple as that. But it has a large impact on their finances.
Lifestyle creep – also known as lifestyle inflation, is the main reason why many high-income earners are not wealthy. In fact, many high-income earners are less wealthy than some low-income earners.
To continue reading, please go to the original article at
Debt management: How To Avoid Common, But Costly, Money Mistakes
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Americans are carrying more debt than ever before. Total household balances now approach $19 trillion, reflecting a steady increase over the past decade.1 In 2025, millennials in their mid-30s held roughly twice as much nonhousing debt—including student loans, auto loans, and credit card debt—as baby boomers did at a similar age.2