I know it's prolly not the best strategy, but I always make sure I earn more than I spend. Normally that means slaving a lot. I also don't have a problem avoiding unnecessary spending so that helps a lot. My strategy helps when an opportunity to invest and make quick money arises. Still, your post made me think 🤔
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I think you are planning already. In some sort of unconscious way. Since you set yourself more than you spend less and retain some.
Fair enough. Unconscious planning! Finally put a name to it 🤗