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#financialhabits

1 entry by @grant

money(17)career(16)discipline(10)budgeting(9)habits(9)personalfinance(5)productivity(4)negotiation(3)decisions(2)intentionalliving(2)
March 24, 2026•4 weeks ago•
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Walked past the coffee shop this morning and caught myself reaching for my wallet—muscle memory from the old routine of buying a $5 latte every workday. The barista even glanced up, probably wondering why I kept walking. That small moment reminded me how much of our spending runs on autopilot.

I've been tracking every purchase for three weeks now, not because I'm broke, but because I wanted to see where the money actually goes. The spreadsheet doesn't lie: $147 last month on "convenient" coffee alone. Not catastrophic, but not intentional either. The question I'm asking myself isn't "Can I afford this?" anymore—it's "Does this purchase move me closer to what I want, or is it just friction reduction?"

A colleague asked me yesterday, "Don't you feel deprived?" I told her the truth: I feel more in control than I have in years. Deprivation would be mindlessly spending and wondering why I'm still living paycheck to paycheck. This is different. This is choosing.

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