Let’s be honest — “budgeting” sounds about as fun as a dentist appointment.
Most people try it, get frustrated, and quit a few weeks later.

But here’s the truth 👇
It’s not that you’re bad at budgeting…
It’s that traditional budgets are too strict.

They tell you things like:

  • “No more coffee runs.” ☕️

  • “Cancel every subscription.” 💔

  • “Track every penny.” 🥴

That’s not freedom — that’s financial jail.

Real budgeting isn’t about punishment.
It’s about control — knowing where your money’s going so you decide what matters.

Here’s what actually works:
Keep it simple.
Focus on big wins (housing, food, transportation).
Leave room for fun — guilt-free.

Because a budget you hate won’t last.
But one that fits your life? That’s sustainable.

So this week’s challenge:

Don’t “cut” your budget — just track where your money goes.
Awareness is the first step to control.

Next week, we’ll go over a simple formula that makes budgeting way easier — the 50/30/20 rule.

You’ve got this 💪

But what can you actually DO about the proclaimed ‘AI bubble’? Billionaires know an alternative…

Sure, if you held your stocks since the dotcom bubble, you would’ve been up—eventually. But three years after the dot-com bust the S&P 500 was still far down from its peak. So, how else can you invest when almost every market is tied to stocks?

Lo and behold, billionaires have an alternative way to diversify: allocate to a physical asset class that outpaced the S&P by 15% from 1995 to 2025, with almost no correlation to equities. It’s part of a massive global market, long leveraged by the ultra-wealthy (Bezos, Gates, Rockefellers etc).

Contemporary and post-war art.

Masterworks lets you invest in multimillion-dollar artworks featuring legends like Banksy, Basquiat, and Picasso—without needing millions. Over 70,000 members have together invested more than $1.2 billion across over 500 artworks. So far, 23 sales have delivered net annualized returns like 17.6%, 17.8%, and 21.5%.*

Want access?

Investing involves risk. Past performance not indicative of future returns. Reg A disclosures at masterworks.com/cd

Keep Reading

No posts found