Podcast
Here's a number that should stop you in your tracks: about 90% of the money you earn may be quietly building someone else's wealth — and it happens even when you do everything right. This is the breakdown of where it actually goes, and why budgeting harder won't fix it.
You work hard, pay your bills on time, save, and invest when you can — and yet at the end of every month it still feels like you're just holding it together. This episode explains why, with a number that's hard to unsee. Sarblo Gill breaks it down simply. Picture every dollar you earn: about 35% goes straight to the mortgage, 15% to the car, and 40% to lifestyle — food, insurance, activities, vacations, all of it. That's 90 cents of every dollar, gone. And here's the turn: that 90% doesn't just disappear — it goes on compounding and building a future, just for someone else (the bank, the finance company, every business you buy from). You're left trying to build your entire future on the 10% that trickles into savings. The problem was never how much you earn, or your discipline — it's what happens to the money the second after you're paid. Budgeting only trims the small, visible slice while the giant one walks out the door untouched. The real lever is the 90% you assumed was untouchable. The reframe: on every payment, someone is the banker — right now it's the bank. What if it were you? This episode is about seeing the 90% leave; once you see it, you can't unsee it. What it would look like for your family is a one-on-one conversation — text the word control to 587-507-4545 to start it.