What To Do If Your Finances Feel Difficult

Hard Work.

We’ve all heard and used that phrase. I’m sure like myself, dozens of cliché phrases about the benefits of hard work just came to mind, right? Work at its origin means “something done. A deed or action.” So, work involves action and completion. The word hard as used in this context at its origin means “having difficulty in doing something”. So quite literally “hard work” means “having difficulty in completing a deed or action.”

However, “hard work” is not actually valuable when it comes to building wealth. The feeling of exhaustion afterwards is the indicator that we often use to validate the exertion of excess effort in completing a task and this is what we refer to as hard work. For decades and possibly even centuries, we’ve validated the benefits and character qualities involved in hard work. I’m here to disagree with this social concept today. If work is hard, it is because there is something we do not know. Let’s break this down together, shall we?

The problem here is that the level of difficulty is simply a perception and is 100% relative to the one perceiving it. What is difficult for me may be extremely easy for you. Objectively speaking, I’d rather have the task be less difficult so that I can effectively complete it in a lesser time frame. If a task is difficult for me, it is because I either lack knowledge or I lack experience (which is just depth of application of knowledge) or I lack willingness. There aren’t other reasons.

If you’re driving a vehicle and you hit the gas, but the vehicle moves slowly, we don’t praise the fact that the car is experiencing difficulty in moving. We get out and see what is preventing us from moving forward. If you’re pushing a lawnmower and all of a sudden the lawnmower jams up and doesn’t want to move easily, you don’t pat yourself on the back and label the event a success. You find out what is blocking your lawn mower. All work is this way. Work is the completion of a deed or an action. The level of difficulty has nothing to do with the degree of work being successfully performed. Work is an absolute. You either completed it or you didn’t. If you did, it’s work. If you didn’t, I don’t know what you did, but it was not work even if it felt hard. I have had people get offended at me because they considered the stress they felt towards work or the fact that they were exhausted by the work a thing to be championed, and in reality, it isn’t important. Completion is.

I will explain why hard work is so respected in society. Persistence. That is basically it. Something required a large amount of effort to be exerted and if a person persists to any degree more than what is considered “average” that person is thought to have “worked hard” and a level of respect is assigned to that person. Persistence is good and I’m not intending to make anyone wrong here, but let’s go back to our lawn mower example. If the lawn mower starts jamming up, who should be revered more? The person who pushes and pushes harder and harder, and maybe does get the lawn mower to move after exerting lots of energy? Or the person who shuts it off, fixes the problem, and accomplishes the same task with less effort exerted and in less time? The second person wins hands down. At some point, if someone is experiencing difficulty and just continues to persist without fixing the problem we do have to honestly begin questioning intelligence. Albert Einstein said, “the definition of insanity is doing the same thing over and over expecting a different result”. My dad always told me, “life is hard, but it’s harder if you’re stupid.”

So, if I just keep pushing the lawn mower, what I’m saying with my actions is “I don’t know any other way”. In essence, I don’t have the intellect required to do this any differently so I must continue along the same path of action and hope the situation resolves itself. Hard work is not a sign of intelligence. In fact, it is exactly the opposite.

Lastly, because hard work is simply perceived level of difficulty; “This feels harder than I perceive it does or should for others”. “Hard work” is also a comparison mindset. The comparison mindset is the intellectual temple of the average and below average. Phrases like “at least I have (insert comparison here)” or “at least I don’t have (insert comparison here)” or “at least I’m better than _______” and the plethora of other phrases used by the average are simply justifications used to make sense of a lack of progress. I agree that this sounds harsh and it is also 100% true. The only times I’ve ever used the scapegoat phrase of “hard work” is when I either did not finish something or when a task took longer than I knew it should have. During these times, I looked at my results or lack thereof, compared them to other results of mine or of other’s, and said “man, that was hard work.” AKA “compared to the level of difficulty I perceive in the actions of myself or others, I perceive that this work was more difficult”. I’ve now justified and made sense of my lack of know-how with a simple two-word phrase: “hard work”. Tada! You do not want to be working hard.

This is particularly true with finances. The average person works extremely hard when it comes to their finances. They feel a lot of stress and it feels like a grind just to get ahead. It feels difficult. But if you look at the states, 95% of America is failing financially and the fact that it feels hard doesn’t change that.

What’s the solution? Study the correct data based on observation of cause and effect. Watch those who are consistently succeeding financially and find out the basic tenets they apply to their finances. Abandon your opinions and then study them. We also must mentally abandon the admiration we’ve developed for hard work. Hard work equates to a comparison mindset, a lack of intelligence, and gives off the label of average at best. With the right knowledge and application, nothing should be hard (aside from maybe initially acquiring the knowledge itself).

If you feel like finances are difficult, I’m here to tell you it’s partially your fault and also partially not your fault. You’ve been trying to push the lawn mower harder and harder hoping that your finances will eventually resolve. This is 100% our own fault because to not have the right knowledge and fail to seek it out is irresponsible.

Where it’s not your fault is the fact that you’ve been given the wrong knowledge about how money works. We’ve been taught incorrectly about money from broke people who don’t have any money and also from wealthy people who have lots of money and don’t want us to have any. We’ve been learning from those who want us enslaved and those who are enslaved with us. It’s our job to go find the right information, learn it, and apply it.

My company, Wealth DynamX, is the very best at providing you with the right data about money. I’ve spent over a decade studying the historical Top 1% of Wealth to see what their successful actions are. I grew up poor, was homeless twice, lost everything once, and by the age of 31, have achieved financial independence where I don’t have to trade time for money anymore. I work hard in learning so that I don’t have to work harder than needed in anything else. And you can and should be doing the same.

Yours in Purpose, Wealth & Freedom, Jerry Fetta

Founder & CEO of Wealth DynamX

My mission in life is to help good people build more wealth who will in turn use that wealth to make the world a better place. Concepts like the one I am teaching about today are tools and educating meant to help accomplish that aim. So if you’re a good person who wants to create a wealthier life and help make the world a better place and you’d like more information on how my company can help you achieve that, email Contact@WealthDynamX.com.

If you’re a follower of mine and have not read my book The Blueprint to Financial Freedom yet, that is the place to start. This book covers the specifics for each level in the various chapters and you can grab the book for FREE as my gift.

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The Blueprint to Financial Freedom by Jerry Fetta

To Purpose, Wealth & Freedom,

Jerry Fetta

Jerry Fetta is the CEO and Founder of Wealth DynamX. He has achieved financial independence by the age of 31, built a multi-7-figure financial education and coach firm, was named an Inc 5000 Top 100 fastest growing financial firm in the U.S. and is a nationally recognized financial expert featured in Forbes, Yahoo Finance, Fox, Chicago Weekly News, New York Finance, interviewed on hundreds of podcasts with world renowned experts, earning endorsements and affiliations throughout his career with names like Kevin O’Leary, Grant Cardone, Dave Ramsey, and Pamela Yellen.

Jerry’s mission in life is to help create millions of financially educated and solvent families achieving greater financial freedom and sharing the truth about money with those around them.

Learn more at www.WealthDynamX.com

(DISCLAIMER: The information in this content should not be considered tax, financial, investment, or any kind of professional advice. Only a professional diagnosis of your specific situation can determine which strategies are appropriate for your needs. Wealth DynamX can and does not provide advice unless/until engaged by you.)