🧨 The Wrong Financial Advice Is Keeping You Broke

Run The Money

Jun 21, 2025

Go to school. Get a good job. Save 10%. Retire at 65.

Sound familiar?

If you followed that advice and still feel broke, frustrated, or behind — it’s not your fault.

That formula worked once. In a different economy. For a different generation.

But today? It’s broken.

Let’s break down why.

📉 Why the Old Advice No Longer Works

1. College isn’t a guaranteed win.

It used to be the golden ticket. Now it’s often a 5- or 6-figure debt with no ROI. Many grads are underpaid, overworked, and living paycheck to paycheck.

2. “Good jobs” aren’t safe anymore.

Layoffs are constant. Remote workers are disposable. Entire industries are being eaten by automation, offshoring, and AI. Tenure means less. Loyalty means little.

3. Saving 10% is a joke.

Inflation is eating more than that every year. $1 today is worth less tomorrow. Saving alone won’t outrun rising housing costs, healthcare, groceries, or tuition.

4. Retiring at 65? That number was built for people who died at 67.

Now we live into our 80s and 90s. Can your savings stretch 20–30 years?

💥 So What Do You Do Instead?

You rewrite the plan.

Because the rules changed. And no one told you.

Here’s the new model:

🔁 The Run The Money Rewrite

1. Invest in Skills

High-income, flexible skills are your hedge against layoffs. Writing. Sales. Tech. Strategy. Communication. Learn skills that print money — not just look good on a resume.

2. Monetize What You Know

Your job isn’t your only asset. Your experience, insights, and personality can be packaged and sold. Think: digital products, consulting, newsletters, voiceover, courses, communities. Leverage the internet.

3. Build Multiple Income Streams

A single paycheck = risk. Start a side hustle. Acquire a boring business. Launch a micro-media brand. Don’t rely on one source of income in a world this volatile.

4. Buy Back Your Time

Use leverage, automation, and smart delegation to earn more with less stress. Outsource what drains you. Invest in what frees you.

5. Retire on Your Terms

Not at 65. Maybe at 45. Maybe never. Build a life you don’t need to escape from. Work because you want to — not because you have to.

✅ Action Steps This Week

Here’s how to start rewriting your financial future — without quitting your job or risking it all:

🔍 Identify one high-value skill to level up (AI, storytelling, business ops, etc.)

💡Make a list of 3 monetizable things you know (what do people ask you for advice on?)

📤 Post one idea or lesson from that on LinkedIn or Substack — see who engages

🧾 Audit your spending: what can be reinvested into skill, health, or side income?

📚 Read one real story about someone who escaped the old plan — and took back control

You can also…

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🎯 The Bottom Line

You weren’t crazy for following the old rules.

You just need a new playbook now.

The economy changed. The world changed. The opportunity is greater — but so is the risk of standing still.

Let Run The Money be your guide for navigating this shift.

We’re not chasing Lambos.

We’re building resilience, time freedom, and quiet wealth.