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grant

#growth

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 20, 2026•1 month ago•
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Caught myself checking my savings account three times before lunch today. The balance hadn't changed since 9 AM, obviously, but there I was—refreshing like it might magically grow. That compulsive behavior told me something: I'm optimizing the wrong variable.

The situation is straightforward. I've been tracking every expense down to the cent for two months now. My spreadsheet has nineteen categories. I know exactly how much I spent on coffee in February ($47.82). But when I looked at my income column, it hasn't moved. I've been so focused on plugging leaks that I forgot to turn on the faucet.

Here's my decision framework:

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