The Other Side of Personal Finance We Don’t Talk About Enough
- Nikhil Bahirwani
- Dec 5, 2025
- 2 min read
Most people think personal finance is about budgeting, cutting expenses, and using tools like the 50/30/20 rule. And yes, these are important. They create structure. They build awareness. They help you take control of what you already have.
But that is only one side of the coin.
The other side, which we rarely talk about with the same seriousness, is increasing income.
Because if you pause and think about it… How much of your daily thought is actually directed toward earning more? Not complaining about money. Not comparing lifestyles. Not telling yourself things like “everything is expensive” or “I can’t afford that.”
I mean real thought. Focused thought. The kind that asks:
How can I grow?
What skills can I develop?
How do I bring more value?
What opportunities am I not seeing?
Who can I learn from?
What can I create?
What possibilities am I not giving myself permission to explore?
It is interesting. Most people agree that increasing income is important, yet very little of their daily energy is spent actually thinking about it.
And that is where the shift happens. Because once your thoughts move from limitation to possibility, your decisions follow. Your behaviour follows. Your confidence follows.
Carl Jung once said, “Until you make the unconscious conscious, it will direct your life and you will call it fate.” This applies to money as much as anything else.
Budgeting creates stability. Increasing income creates freedom.
Both are essential. But only one of them expands your life.
So here is a simple invitation for this month: Spend as much time thinking about how to grow your income as you do thinking about how to limit your expenses.
You will be surprised at how your ideas, confidence, and opportunities begin to shift.
What is one step you can take this month to increase your income? Or even better What possibility are you finally ready to explore?
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