// 0x04 build

Saving has a floor. Income has no ceiling.

You can cut your spending to zero at best. Your income has no such limit. That’s the part most finance sites skip, because “cancel your streaming subscription” is quicker to write: skills, negotiating, a side business, your own company. Nobody ever got free by splitting a bigger cake they didn’t bake. Once it gets big enough for structures and tax planning, I hand you over to Nerdy.Money.