Discipline: Getting wealth is easy. The hard part is retaining it, which requires self-discipline.
Destiny's Letters: The 10% rent rule
Most people let their rent eat 30–50% of their income and wonder why they can't build wealth.
When I was earning close to six figures, my rent was $300 a month.
Not because I had to. Because I chose to.
I lived with a family. I lived below what I could "afford." Every dollar I didn't spend on a nicer apartment went straight into investments and paying off my car (which I did with my first paycheck).
I did find a really great Mexican restaurant and smoothie place though — and they were getting some of my dollars. If you haven't tried Founding Farmers in DC, it's a must for burgers. There was a stellar Indian restaurant, too, but I forgot the name unfortunately.
Point is — I wasn't suffering. I was strategic.
Most people say keep housing under 25% of your take-home pay. I say go aggressive. There were points when my rent was 5-15% of my net income. Anything under 15% is the sweet spot. That's where wealth actually builds.
That gap — over 5 years at even a modest 8% return — turns into a down payment, an emergency fund, or a portfolio that works for you while you sleep.
Fix housing, fix everything.
Instead of cutting lattes, slash your greatest costs.
Stay disciplined, Destiny
P.S. — Did you move your body today? Get in a 10-minute micro workout or 3, or do the one below:
Today’s FL10 Minute Workout: Mama's Baking Biscuits
Glutes/Core · 10 min · Zero equipment
Glute Bridges — 2m
Standing Hip Abduction — 2m
Plank Hold — 2m
Donkey Kicks — 2m
Bird Dog — 2m
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