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Ascendit is a content series focused on the intersection of finance and entrepreneurship. Its purpose is to bring financial concepts from the corporate world into clear, actionable insights that help individuals and builders achieve sustainable growth.
📕 Tuesdays deliver the Ascendit Playbook: one big idea, applied to personal finance, plus a practical tool to put it into action.
💡 The Big Idea
Getting rich is not about striking gold with a single lucky bet — it’s about building the right habits early. The earlier you start, the longer compounding, skill growth, and disciplined choices have to work in your favor.
As Graham Stephan puts it, wealth is built step by step: by choosing wisely who you learn from, avoiding lifestyle traps, and setting systems that make money work for you.
📊 Financial Growth
Building wealth comes down to simple, repeatable principles. These are not flashy hacks, but fundamentals that, once mastered, put you on the right track for the long term:
👂 Who You Listen To → The advice you follow will shape your money habits. Don’t get caught up in hype from social media or friends who don’t have their finances in order. Instead, pick a small circle of mentors, books, or creators with proven results. Think of it as curating your financial “diet”
💳 Build Your Credit → Credit is your financial reputation. A high score unlocks cheaper loans, better mortgages, and even job opportunities. Start with a no-fee credit card, keep utilization under 30%, and pay it in full every month. It’s boring, but it builds leverage for your future
📚 Get Job Experience → Your first jobs may not make you rich, but they give you skills, discipline, and networks that compound over time. See every role as training — the experience you gain today multiplies your earning potential tomorrow. Document the skills you’re stacking
💰 Earn Multiple Income Sources → Relying on a single paycheck is risky. Start with one side hustle: freelancing, tutoring, reselling, or content creation. Even a small extra stream (€100–200/month) builds resilience, accelerates savings, and can eventually grow into a main source
📊 Avoid Lifestyle Inflation → As income rises, so does temptation to spend more — new car, bigger apartment, nicer dinners. The trap is that expenses catch up with income, leaving you no better off. The wealthy lock in their baseline lifestyle and channel raises into savings and investments
💸 Invest Immediately → Waiting for the “perfect” time means losing compounding power. Start now, even with small amounts. For example, investing €200/month at 8% annual return grows to ~€300,000 in 30 years. Time in the market matters more than timing the market
📈 Action Plan
Advice only matters if you turn it into action. Here’s a simple to-do list you can start this week to put the six principles into practice 💪:
- Pick 2 trusted finance voices and mute the rest
- Open a no-fee credit card or check your utilization is under 30%
- Write down 3 skills you’re gaining at your current job and choose one to develop further this month
- Brainstorm one side hustle idea and commit to testing it
- Fix your monthly spending baseline and direct 70% of any raise/bonus into savings or investments
- Automate €50–€200/month into a diversified ETF portfolio starting now
📈 This is Playbook #3. In the next editions, I’ll dive deeper into finances and the bridge to entrepreneurship. 👉 Which step will you cross off first this week?
