🏠 Lifestyle Inflation Trap
You're 22, first real job, $50K salary. Every year you get a raise. What do you do with it? See your net worth at 40.
Age
22
Salary
$50K
Net worth
$0
🎉 You got a 3% raise — $125/month extra take-home. What do you do with it?
History so far
At age 40, you have
$0
WHAT'S LIFESTYLE INFLATION?
Every raise feels like extra spending money. Bigger apartment, newer car, more meals out. Within 6 months you barely notice you make more — your bills just match your income. The 22-year-old at $50K had savings room; the 32-year-old at $90K is broke. That's how it traps people. The trick: bank most of every raise BEFORE you adjust your lifestyle.