- Rolling in Dough 💰
- Posts
- “I’ll Save When I Make More”
“I’ll Save When I Make More”
(and other lies we tell ourselves)
In partnership with
Today’s Edition: “I’ll Save When I Make More” (and other lies we tell ourselves)
Welcome back to another edition of "Rolling in Dough" Newsletter, where we serve up the simplest ways to save more, spend less, and build wealth with regular insights, behavioral science hacks, and tiny tips to do today. I hope to make your financial journey a little fun, simple, and totally doable, where ever you are on your wealth journey.
FROM OUR SPONSORS
Don’t get SaaD. Get Rippling.
Remember when software made business simpler?
Today, the average company runs 100+ apps—each with its own logins, data, and headaches. HR can’t find employee info. IT fights security blind spots. Finance reconciles numbers instead of planning growth.
Our State of Software Sprawl report reveals the true cost of “Software as a Disservice” (SaaD)—and how much time, money, and sanity it’s draining from your teams.
The future of work is unified. Don’t get SaaD. Get Rippling.
You’ve probably said it before:
“Once I get that raise…”
“After this summer’s over…”
“After the holidays…”
“When I finally pay off this credit card…”
And then you blink, and it’s another month, another paycheck, another excuse.
We all do it. We tell ourselves money lies. Not because we’re lazy. But because our brains are trying to protect us, from stress, shame, or even change.
But if we can spot the lie, we can shift the story. And get our dough growing right now, not just when everything’s “perfect.”
🤔 Lie #1: “I’ll start saving when I make more money”
The truth: Most people don’t save more when they earn more. They just spend more.
This is called lifestyle creep, and it’s sneaky. You finally get a raise, and boom: nicer dinners, upgraded flights, more deliveries, fancy candles you swear are “investments.”
Try this instead:
Start with just 1% of your income. Literally.
Automate it so it moves to your savings account before you can touch it
If you do get more income, increase that saving % before you increase your spending
🤔 Lie #2: “I need to pay off all my debt before I save anything”
The truth: Saving and paying down debt at the same time is actually smarter.
If you put everything toward debt but have zero savings, guess what happens the next time your tire blows or your fridge breaks? Yup, back to the credit card.
Try this instead:
Set up a small emergency fund ($250–$500 to start)
Then split future money: 80% to debt, 20% to savings
🤔 Lie #3: “It’s not enough to matter, so why bother?”
The truth: Small amounts absolutely matter. Because wealth is built with habits, not windfalls.
$20/week in a high-yield savings account = $1,040/year. And more importantly, it’s proof you can save. That’s the muscle you want.
$10,000 a year is only $27 a day, which is what most of us spend on a fast food meal delivery.
Try this instead:
Create a “tiny wins” tracker in your Notes app
Celebrate the act of saving, not the amount
Use savings goals that feel fun: “Girls Trip Fund,” “Coffee Cushion,” “I Deserve Nice Things Jar”
🤔 Lie #4: “Once life calms down, I’ll get organized”
The truth: Life doesn’t calm down. You just get better at making space inside the chaos.
Waiting for the perfect time to get your finances together = never doing it. There’s no “later” version of you with more time and less stress, there’s only now.
Try this instead:
Set a 10-minute weekly “Money Check-In” on Fridays (or whenever works)
Use it to review accounts, cancel a subscription, or move $20 to savings
No perfection. Just consistency.
👋 TO GO BITES: The Wrap Up • Dough Pro Tip
If you’ve said any of these lies, you’re not behind. You’re human. But now you’ve got the truth. And truth, and habits, are what build financial freedom.
You don’t have to wait until you earn more. Or feel ready. Or have everything figured out. Or know exactly what to do.
Don’t know what to do? Just do something. You can open a high-yield savings account and put $20 in it every Friday. It may not be as much or as invested as you want but Rome wasn’t built in a day, and you can get to that later.
You can start today. Even with $5 and a little commitment to yourself.
And that’s how we really make our dough grow.
FROM OUR SPONSORS
Wall Street’s Morning Edge.
Investing isn’t about chasing headlines — it’s about clarity. In a world of hype and hot takes, The Daily Upside delivers real value: sharp, trustworthy insights on markets, business, and the economy, written by former bankers and seasoned financial journalists.
That’s why over 1 million investors — from Wall Street pros to Main Street portfolio managers — start their day with The Daily Upside.
Invest better. Read The Daily Upside.
—
Reply to this email and let me know what you’d like to know more about.
Stay tuned for more mini tips and tricks to help you spend less, save more, and build the life you love, one smart move at a time. The ultimate goal: to be rolling in dough.
👋 Until next time,
Rooting for you. Let’s make this dough grow!
Profit Nic
Hope you enjoyed today’s newsletter! If you found it helpful, forward or share it with a friend who could use a little help growing their dough too. And as always, hit reply with your thoughts, tips, or topics you want me to cover. I love hearing from you!
Not legal, tax, or investment advice. For general educational purposes only. Lotsss of simple ways to save more, spend less, and build wealth. You are absolutely amazing.