Let’s be real—being average is exhausting. It’s like running on a treadmill that’s going nowhere but still somehow sucks the life out of you. In money, in mindset, in life—it’s the same old routine: work, spend, stress, repeat. No thanks.
Here’s the truth: average is not where the money lives. And it’s definitely not where freedom, creativity, or that dream of sipping something fancy on a Tuesday afternoon lives either.
You want to save more, make more, and actually enjoy your life? You’re going to have to break up with average. Don’t worry—I brought snacks, smart money habits, and a simple plan to get you started.
Rule #1: Break the Rules (The Good Way)
Have you ever noticed that the people making the big money don’t always follow the rules? It’s true! Most of the time, rules are made to keep things safe and predictable—but not super successful.
Let’s be honest for a second:
- Do you really need a fancy college degree to start an online business? Nope.
- Do you need a suit and tie to invest your money? Also nope!
- Can you sell stuff from your closet and turn it into a full-blown side hustle? Absolutely yes.
Successful people don’t wait for permission. They do things their own way. Sometimes they bend the rules, sometimes they break them—and a lot of times, they make new ones.
They also do this one very important thing:
👉 They stick to smart money habits that help them stay focused and grow their cash without burning out.
So if you’re sitting there wondering if you’re “allowed” to try something different with your money, consider this your official permission slip.
Go for it. Try the weird idea. Start the side hustle. Be your own kind of awesome.
And while you’re at it? Build in some smart money habits that keep your wallet happy too.
Rule #2: Talk to People (Yes, Really)
Want to make more money? Start talking to people. Want to save more? Ask people who are already doing it.
You don’t have to go to some fancy event or shake hands with a bunch of strangers in suits. Talking to people about money can be simple.
Try things like:
- Leaving a comment on someone’s money-saving post
- Joining a group where people share side hustle ideas
- Sending a message to someone who’s already doing what you want to do
Most of the big moves people make with money don’t happen alone. They happen because of a conversation. You never know what you’ll learn—or who you’ll meet—until you speak up.
And here’s the best part: the people you talk to might share smart money habits that you can start using right away.
Don’t be shy. Start small. One conversation could change everything.
Rule #3: Be the Weird One
Want to know a secret? Most people who make a lot of money are kind of weird. And that’s a good thing.
They’re not doing what everyone else is doing. They’re doing things like:
- Selling printable chore charts on Etsy
- Teaching others how to budget using board games
- Turning their odd hobbies into full-on businesses
They don’t wait around trying to fit in. They stand out—and they make money by doing things their own way.
So, if your money idea sounds a little different or makes people around you raise an eyebrow, that’s not a bad sign. It might mean you’re on the right track.
Don’t hide your weird. Use it. That’s where the fun (and the income) starts.
Rule #4: Take Risks or Work for Someone Who Does
You have two choices: take risks or take orders. That’s the truth.
Playing it safe might seem easier, but it often means staying stuck in a job you don’t enjoy—for a really long time.
If you want more freedom, especially with your money, you’ll have to step outside your comfort zone.
Try things like:
- Starting a small business or side hustle
- Testing out a new budget
- Creating videos or selling something online
- Making mistakes, learning from them, and trying again
Yes, it can feel scary. But that’s how people grow—and how they earn more, too.
And if you add in smart money habits while taking those risks, you’ll be even better off. Smart steps plus bold moves? That’s where the magic happens.
Rule #5: Move Faster Than You Think You Should
Most people are really slow when it comes to money goals. They say stuff like:
- “I’ll start saving next month”
- “I’ll open that shop next year”
- “I’ll figure out my budget… eventually”
Here’s the problem: “Eventually” never shows up.
If you want to make real progress with your money, you have to start now. Not next week. Not when you feel more ready. Now.
Try this:
- Pick a date to launch that idea
- Open the savings account you’ve been thinking about
- Take one small step—even if it’s not perfect
You don’t have to do it all at once. But you do have to begin.
Fast action beats perfect plans every time.
Rule #6: It’s Not About Skill—It’s About Will
Good news: you don’t need a fancy degree to get your money life together.
Most people don’t get stuck because they’re not smart. They get stuck because they don’t do anything.
It’s not about knowing more. It’s about doing more—even the stuff that feels boring.
Here are a few small actions that will actually work for you:
- Write down what you spend each week
- Create a simple budget
- Set up automatic savings
These aren’t flashy or exciting. But guess what? They’re powerful. These are smart money habits, and they add up over time.
If you stick with them, they can change everything.
Rule #7: Do the Boring Stuff That Works
This part isn’t exciting—but it works.
If you want to change your money situation in the next 6 months, stick with the simple stuff. Most people skip it. You won’t.
Try these:
- Keep track of every dollar you spend
- Read one money book (just one!)
- Plan your meals to avoid takeout
- Walk more, drive less (save gas, save cash)
- Tell your story—write it, talk about it, share what you’re learning
- Get 8 hours of sleep (yes, it really matters)
These might not look like big moves, but they are. These are smart money habits that help you save more, spend smarter, and build a better life over time.
Your Next Move Starts Now
When you stay average with money, life feels harder. You’re always behind, always stressed, and always tired.
But that doesn’t have to be your story.
You’re reading this because you want something better. You’re ready to try new things, grow, and take control of your money.
Start small.
Pick one thing:
- Begin a savings plan
- Test out a side hustle idea
- Ask someone for advice
- Try something new—even if it’s a little weird
The key? Add in smart money habits that will help you stick with it.
Then let’s see where you are 6 months from now. You might be surprised how far you’ve come.
What’s your next step? I’d honestly love to hear about it, so leave a comment below. If you’ve enjoyed this post please share it or Pin It, it helps to me continue sharing all this information with you – and I have SO much more to share to help you save and make more money. In fact, if you liked this blog post you might love this one too – The 7 Baby Steps to Financial Freedom.
