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📌 Today’s Edition
Nobody really talks about how much your environment affects your finances. People always say stuff like work harder, earn more money or get a better job and yeah, obviously, income matters.
But honestly, I think the people around you affect your money way more than most people realise. If everybody around you spends badly, eventually you probably will too.
If all your friends treat Klarna like free money, constantly go out, order food and laugh at investing, eventually your brain starts seeing that behaviour as normal too. That is the dangerous part because what feels normal slowly shapes your financial future over time.
⚠️ The mistake
A lot of people think bad financial habits come from one irresponsible decision. In reality, it usually comes from smaller habits repeated constantly in the wrong environment. One friend says let’s go for drinks after work. Then somebody wants food after. Then Uber home because nobody can be bothered getting the night bus.
Suddenly one random Friday costs over £100, and nobody even reacts anymore because everybody around you does the same thing every week. Then, payday arrives, and people act rich for 3 days before becoming stressed again for the rest of the month.
When you mention investing or saving properly, people sometimes look at you like you are being dramatic. I’ve genuinely noticed some people get uncomfortable when you talk about improving financially because deep down, they know they probably should too.
🧱 The trap
The biggest trap is not always low income. Sometimes it is simply being surrounded by people who normalise terrible money habits. If everybody around you spends emotionally, lives month to month and never plans, eventually your brain starts believing that is just how adult life works.
I’ve noticed loads of people in London are not actually poor. They just keep resetting their finances every month because they spend money to feel better. A bad day at work means spending money. Feeling stressed means spending money. Feeling bored somehow means spending money too.
Social media makes this even worse. Your feed becomes full of people showing luxury restaurants, holidays and designer clothes while half of them are probably financing everything anyway. Eventually, normal life starts feeling boring, and people start spending money just to keep up.
People slowly start copying the habits around them without noticing.
✅ Solution
You do not need to cut everybody off and disappear into the woods, becoming some finance monk surviving on rice and water. But you should probably spend more time around people who actually think about the future, respect money and want more from life than just surviving until Friday night.
Even online, this matters massively. The accounts you follow slowly shape your mindset, whether you realise it or not. But if you surround yourself with people trying to improve financially, suddenly saving and investing stops feeling weird.
🔍 My setup
One thing that changed my mindset massively was treating investing as something normal instead of something only rich people do. Before, I used to think investing was only for finance people in Canary Wharf talking about stocks all day.
Now every payday, I invest first and then spend what is left after bills and essentials. Not perfect every month, obviously, but way better than how I used to handle money before.
📊 Real example
Imagine 2 people earning the exact same salary in London. One spends time around people constantly financing things, wasting money every weekend and chasing short term dopamine because they hate their jobs.
The other spends time around people who budget properly, invest monthly and actually think long term about their future.
Fast forward 5 years, and their finances probably look completely different despite earning similar money the entire time.
⛔ What not to do
Do not become arrogant about money because some people genuinely struggle, and life is expensive right now. But also stop pretending the people around you have zero effect on your habits because they absolutely do.
📬 Before you go
Your environment affects your finances more than most people realise. If everybody around you treats bad spending habits as normal, eventually you probably will too.
Last bit of advice, honestly. Stop trying to look rich and focus on becoming financially stable first.
Every Tuesday, I share realistic money advice for normal people in London trying to build wealth on average salaries.
If there is a topic you would like me to cover in a future edition, send it to [email protected]. I read every message, and many of the best ideas come directly from readers.
Thank you for reading
Wealth Rewired
