Monday Money Tips (9/1/25)
Welcome to the very first Monday Money Tips! As Kyle mentioned, we’re both Certified Financial Planners with over two decades of combined experience in the financial services industry. Each Monday, we’ll be sharing practical money tips—some will be quick takeaways, while others will take a deeper dive into important financial topics. Our goal is simple: to share knowledge, answer your questions, and help you make smarter money moves. Let’s kick off week one by focusing on the foundation of it all—Getting Your Mindset Right.
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Mindset > Math: Your Thinking Shapes Your Wealth
When it comes to building wealth, most people focus on numbers like income, expenses, returns, interest rates. But here’s the truth: the math matters, yet mindset often matters more. How you think about money drives every decision you make, and those decisions compound over time.
A Fixed mindset says: “I can’t afford it.”
A Growth mindset asks: “How can I afford it?”
That simple shift changes everything. One closes the door on possibilities while the other starts looking for solutions. The right questions create the right actions whether that’s finding new income streams, cutting waste, or learning skills that increase your earning potential.
Those with a growth-oriented mindset see opportunity instead of limitation. They view problems as challenges to solve, not reasons to quit. They invest in knowledge, relationships, and systems that create long-term value.
If you want to change your financial future, start by changing your financial thinking.
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Here are 5 Mental Shift Exercises for you to work on this week:
1. Change Your Questions, Change Your Results
A Fixed mindset says: “I can’t afford it.”
A Growth mindset asks: “How can I afford it?”
Curiosity opens doors. Constraints spark creativity. The words you use frame the possibilities you see.
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2. Problems Pay
A Fixed mindset avoids problems.
A Growth mindset solves them.
The bigger the problem you solve, the bigger the paycheck. Resourcefulness beats resources every time. Complaints don’t pay bills, solutions do. Money flows toward those who remove pain points.
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3. Time Is Priceless
A Fixed mindset treats time as "free."
A Growth mindset treats time as their most valuable resource.
Every wasted hour has a cost. Growth thinkers buy back time, outsource early, and build systems that compound value.
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4. Pay Yourself First
A Fixed mindset invests what’s “left over.”
A Growth mindset invests first.
Idle money is wasted money. Automate savings, treat investing like a bill, and make it non-negotiable.
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5. Quiet Confidence vs. Loud Appearance
A Fixed mindset spends to signal success.
A Growth mindset spends to sustain success.
Real success whispers. Fake success shouts. Delay ego purchases, funnel money into growth, and play the long game.
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Poll Question: What is your biggest mental hurdle right now?
Changing my questions
Avoiding problems
Treating time as "free"
Paying myself first
Trying to keep up with the Joneses
100 votes
54
19 comments
Rico Russo
4
Monday Money Tips (9/1/25)
InvestCEO with Kyle Henris
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