Welcome back to the Welsh Bull newsletter.

If you’ve spent any time in personal finance circles, you’ve probably heard the same recycled advice:

“Stop buying coffee.”

Apparently wealth is just one cancelled latte away.

Look… discipline matters.

But let’s not pretend a flat white is the reason most people aren’t building wealth.

The real lever isn’t your coffee.

It’s your income.

Yes, small expenses add up.

A $6 coffee every day equals:

$2,190 per year.

That’s not nothing.

But let’s zoom out.

Increase your income by $10,000 per year and suddenly:

That’s about $190 extra per week.

Now the coffee debate looks pretty small.

Welsh Bull rule:

Don’t focus on pennies when dollars move the needle.

Cutting expenses feels productive.

It’s simple.
It’s easy to control.
It feels responsible.

You can:

Cancel Netflix
Skip brunch
Bring lunch to work
Stop buying coffee

But eventually you have to ask:

Am I building wealth…

Or just removing enjoyment from my life?

There’s a limit to how much you can cut.

There is almost no limit to how much you can earn.

Example:

Someone earning $70,000 per year cuts $50 per week.

That saves about $2,600 annually.

Solid.

But increasing income to $80,000?

That’s $10,000 extra in one move.

Or an extra $190 every week.

That changes the game.

Another example:

A small side skill earning $300 per month adds:

$3,600 per year.

That alone covers a lot of coffee.

Welsh Bull perspective:

Increase skills.
Increase income.
Increase options.

Most people fight the wrong battle.

They obsess over small expenses but ignore:

Their skills.
Their earning potential.
Their ability to create value.

Personal finance is not supposed to feel like punishment.

You can enjoy life and still build wealth.

Coffee is not the problem.

Lack of structure is.

Cut waste where it makes sense.

But never shrink your ambition to match your expenses.

Grow your income.
Grow your skills.
Grow your options.

Protect the downside.
Press the upside.

See you next week.

The Welsh Bull 🐂 🏴󠁧󠁢󠁷󠁬󠁳󠁿

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This content is for educational purposes only and does not constitute financial advice. It does not consider your objectives, financial situation, or needs.

Always do your own research or consult a licensed financial professional before making investment decisions.