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- 💵 Your First Big Money Win Isn’t What You Think
💵 Your First Big Money Win Isn’t What You Think
Most people chase the wrong first milestone.
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📩 Today’s edition is brought to you by Beehiiv — the all-in-one platform that helps creators write, grow, and monetize their newsletters. Built by newsletter people, for newsletter people.
Most people chase the wrong first milestone.
They want the savings account. The investments. The dream vacation with no guilt.
But here’s the truth:
You can’t build wealth if your money is secretly bleeding out the back.
Stage 1 — Cash Flow Positive
This is the most important financial stage nobody celebrates.
It won’t make your friends jealous. It won’t feel like you “made it.”
But it’s the moment you stop slipping and start moving forward.
Cash Flow Positive = You spend less than you make. Every month.
Not once. Not “usually.”
Every. Single. Month.
It’s your first real power move.
Your first moment of financial traction — like stepping off a treadmill and finally moving forward.
This is Stage 1 in the 5-stage wealth ladder.
And most people? Never get past it.
💥 The Problem: Why Most People Stay Stuck
Over half of Americans are cash flow neutral or negative (Aspen Institute).
If you get paid Friday and feel broke by Monday — you're not alone.
But you’re also not cash flow positive.
Every raise disappears into lifestyle upgrades.
Every budget gets nuked by auto-renewals and impulse buys.
You don’t need more discipline.
You need a system that works even when you’re tired.
You need margin — breathing room between what comes in and what goes out.
⚡ The Move: Find Your Financial Gap
This week, do this:
Calculate your breathing room.
Add up everything that hits your account monthly after taxes.
Subtract every dollar you spend.
What’s left = your cash flow.
That number is your opportunity engine — it’s the only part of your finances you truly control.
If it’s zero or negative — start here:
Cancel anything auto-renewing that gives you nothing back
Lower one recurring bill
Delay non-urgent purchases until the gap is positive
If it’s positive — protect it with your life:
Don’t match your spending to every income bump
Automate a chunk into savings or debt payoff
Track your gap like a high score — you’re playing to win
Email Was Only the Beginning
Four years in the making. One event that will change everything.
On November 13, beehiiv is redefining what it means to create online with their first-ever virtual Winter Release Event.
This isn’t just an update or a new feature. It’s a revolution in how content is built, shared, and owned. You don’t want to miss this.
💬 Real Talk:
How big is your margin right now? $10? $500? Zero?
Reply and tell me where you’re starting. I want to see your climb.
🐷 Piggy Penny Can Help You Stay on Track:
💰 Build your emergency fund while paying loans (so you don’t go backward).
📊 Use our trackers to see real progress, not just “balances.”
💬 Get weekly motivation to keep going when it feels endless.
👉 Join our $1,500 Savings Challenge — the same system people use to get control before tackling debt.
It’s your reset button.
It’s how you stop living payment to payment and finally move forward.
🏆 We’ve Got Our 8 Winners! 🎉
Piggy Penny’s challenge just got 8 new challenge starters! 🐷💥
We opened the doors. You showed up. And now 8 of you are stepping into the challenge for free.
Drumroll, please… 🥁
Congrats to:
1️⃣ Caroline K.
2️⃣ Wendy R.
3️⃣ Frontera M.
4️⃣ Janet P.
5️⃣ Williams M.
6️⃣ JD S.
7️⃣ Kupac S.
8️⃣ VA Johnson
Each of you will automatically be enrolled in the Piggy Penny Challenge and receive your official welcome email within the next 24 hours. 💌
Thank you to everyone who joined — this community keeps growing every single day, and we’re just getting started.
Would you like us to do more free Piggy Penny Challenge raffles? |
💌 PS: Know someone with a good salary and zero cushion?
This is the gentle call-out they need. 🐷📉
— Piggy Penny
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