The vast majority of people feel they would be happier if their income was higher.  If you are making $50,000 a year then things would be so much easier if you just made $75,000.  If you are making $500,000 a year then things would be so much easier if you just made $750,000.  There are a lot of ways this conversation could evolve, let’s focus on the fact that in both scenarios there is a belief that the income side is just too low.

Let’s be honest about it and acknowledge that if you believe your income is too low, you may be right.  First, I would encourage taking a hard look at whether your spending over the past 2 months included any items such as entertainment, eating at restaurants, vacations, indulgences, unnecessary expenses, etc.  Second, assess whether you are current on all your bills and payments.  Third, consider whether you are currently being generous with your money.  Fourth, be honest about whether you spend the time you would like to with your family and friends.  If you answer “no” to all or most of these then your income is most likely too low. Your expenses may be too high as well but if you keep a reasonable cost of living then it’s most likely your income.  We will be going over a lot of ways to handle an income issue.  The primary focus will be whether you are using your knowledge, skills, and abilities to the highest level possible.