Jay Z apparently once said:

You can’t afford something unless you can buy it twice.

I just love how much advice there is in that small idea, for it puts you living below where you are technically capable.

If it’s a reach for you to barely finance a $400,000 home – you should probably be in a $200,000 home.

When the limit of your budget is a $50,000 car – it’s much safer to be in a $25,000 car.

And when you can afford to spend $800 per month eating out – spend $400 per month instead.

Living on less than you earn is after-all the first step to financial freedom.

I love you.

-Dad