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Most people think they’ll start investing when they finally have “extra” money.

Society has conditioned us to believe that wealth-building starts after we reach a certain income level.

But that’s an illusion.

If you wait for the “perfect time” to invest, you’ll never start.

I learned this the hard way.

Back in 2014, I told myself: "Once I hit $80k/year, I’ll start investing seriously." At the time, I was making $45k and convinced that nearly doubling my salary would give me the financial cushion I needed.

Want to know what really happened?

By the time I hit $80k, I had upgraded my apartment, bought a nicer car, and somehow still felt like I didn’t have enough to invest.

It’s a trap I see successful professionals fall into every single day—and it’s costing them hundreds of thousands in potential wealth.

Here’s what I’ve learned after analyzing thousands of wealth-building journeys:

1. The "Perfect Time" Myth

That magical moment when you'll have “extra” money to invest?

It doesn’t exist.

I recently analyzed the finances of 100+ professionals earning $130k+, and here’s the shocking truth:

• Their spending rose with their income.

• Their investing mindset stayed the same.

• They still felt like they “weren’t ready.”

The pattern is clear: If you don’t start investing when you have less, you won’t magically start when you have more.

2. The Hard Truth About Wealth-Building?

Most people don’t fail because they don’t make enough. They fail because they let bad financial advice keep them stuck.

That’s why I rely on The Flyover.

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3. The True Cost of Waiting

Let’s talk numbers:

If you invest $500/month starting at 25 (roughly 10% of a $70k salary), with an 8% return, you’d have $1.2M by 55.

If you wait until 35? That same monthly investment only grows to $475,000.

The cost of waiting: $725,000.

4. The Stealth Wealth Strategy

Here’s what actually works:

Pick someone making 70% of your current income who lives a happy life.

Study their lifestyle.

The gap between their spending and yours? That’s your investing opportunity.

I call this lifestyle arbitrage, and it’s how most millionaires build their initial wealth.

Final Thought: Your 3-Step Action Plan

1. Calculate your "investing gap" (your income minus the lifestyle costs of someone earning 70% of what you make).

2. Set up an automatic transfer for 50% of that gap to go straight into investments.

3. Live on the remaining amount for just 30 days and see what happens.

Every month you wait is another month of compound interest you’re giving up.

The best time to start investing was 10 years ago. The second best time? Today.

Hit reply and let me know: What’s one small expense you could redirect to investments this month? I read and respond to every email.

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To your wealth,

Be Wealth Operators