Ever wonder why so many lottery winners and professional athletes go broke, despite making millions? It’s not bad luck—it’s their financial set point at play.
What Is a Financial Set Point?
Just like your body has a weight it naturally hovers around, your finances have a default state—the amount of money you subconsciously feel comfortable having in your checking account. This financial set point dictates your spending, saving, and overall relationship with money, whether you realize it or not.
If you’re used to always having $2,000 in your bank account, guess what? No matter how much you earn, you’ll probably find a way to spend, save, or self-sabotage until you’re back at that familiar number.
Why Lottery Winners and Athletes Go Broke
We’ve all heard the stories—someone wins the lottery or signs a multi-million-dollar sports contract, only to end up bankrupt a few years later. Why? Because their financial thermostat is still set at their old level. They haven’t done the internal work to raise it, so they burn through the money as fast as it comes in.
It’s not about how much money you make—it’s about what you’re wired to keep.
How to Raise Your Financial Set Point
If you want to actually change your financial reality, you have to reset your internal money thermostat. Here’s how:
1️⃣ Become Aware of Your Default Number – Look at your bank account. What’s the number you always seem to hover around? That’s your set point.
2️⃣ Shift Your Identity – Instead of saying, “I’m bad with money” or “I always struggle,” start reinforcing new beliefs: “I am someone who builds wealth.”
3️⃣ Upgrade Your Habits – If you want to hold onto more money, you need to act like someone who does. Save, invest, and make decisions from the mindset of a financially stable person.
4️⃣ Expand Your Comfort Zone – Get used to seeing bigger numbers in your account without feeling the urge to spend it all. The more familiar wealth feels, the easier it is to keep.
Bottom Line
Making more money won’t change your life if your financial set point stays the same. The real work isn’t in making more—it’s in learning to keep, manage, and grow what you already have.
Are you ready to raise your financial set point? Drop a 💰 in the comments and let’s talk!
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