Being Broke Sucks. 5 Steps to Un-F*ck Your Personal Finances Starting Today!

Let’s be real—being broke sucks. It’s stressful, exhausting, and makes you feel trapped. When you’re constantly worried about money, it takes a toll on your confidence, your relationships, and your future. But here’s the thing: you don’t have to stay broke.

No matter where you’re starting from, you can take control of your financial future—starting today! The difference between staying broke and building wealth is a mindset shift and a few strategic actions. If you’re ready to get out of survival mode and start thriving, let’s break down the 5 steps to un-f*ck your finances and take control of your money!

Step 1: Stop Lying to Yourself About Money

If you’re broke, you need to face it head-on. No more saying, “I’ll figure it out later” or “Money just isn’t my thing.” That’s bullshit, and you know it. Wealthy people take money seriously. They track it, they manage it, and they make smart financial moves.

🚀 Take Action:
✔ Track every dollar you spend for the next 30 days—yes, every single dollar.
✔ Look at your financial reality—debts, savings (or lack of), income, and expenses. Know where you stand - ignorance is not bliss in this area of life.
✔ Stop making excuses—own where you’re at, and get ready to change it.

Step 2: Cut the Stupid Shit You’re Spending Money On

Look, if you’re broke, you don’t need $7 lattes, a Netflix, HBO and Prime subscription. No more unnecessary Amazon purchases, no more meals delivered - get off your ass and buy a few groceries - cook some noodles, or eggs or make a PB&J sandwich - and get the hell out of that car loan or lease that eats half your paycheck. You don’t have a money problem—you have a spending problem.

🔥 Hard Truth: Wealthy people don’t blow money on dumb stuff. They spend on assets that grow their income, not on things that keep them stuck.

🚀 Take Action:
✔ Cut unnecessary expenses—audit your spending and slash everything that doesn’t serve your financial goals. It's not that hard - I promise, you'll live!
✔ Start living below your means—temporary sacrifices lead to long-term financial freedom. If you have a partner, they should be thrilled about your new path and support you 100%!
✔ Cancel useless subscriptions—yes, including the ones you forgot about. Amazon Prime, Netflix, high speed internet, and expensive mobile phone plan, etc.

Step 3: Make More Money (Because Budgeting Alone Won’t Make You Rich)

You can only cut so much, but your income potential is unlimited. Wealthy people don’t just save—they increase their income. If you’re broke, you need to focus on making more money.

🚀 Take Action:
✔ Ask for a raise—if you provide value, you deserve to be paid more (only if you're showing up and providing 1000% effort! Are you bringing amazing value to your employer?)
✔ Start a side hustle—freelancing, consulting, selling online, uber, whatever it takes.
✔ Learn a high-income skill—the more valuable you are, the more you earn. Your #1 investment should always be in yourself Learn a new skill that will make you more valuable!
✔ Stop settling for low pay—upgrade your job, switch industries, or start a business. Your only limitation is what you believe to be possible! If you're 300 lbs. you won't be a jockey... so use your brain.

Step 4: Get Rid of Debt Like It’s an Emergency (Because It Is)

Debt keeps you broke. Credit card interest is an absolute killer, student loans, car payments—this is how banks keep you a slave to the system. The faster you get rid of it, the faster you can start building real wealth.

🚀 Take Action:
✔ List every single debt you have—no more ignoring it.
✔ Attack the smallest debt first—put 100% of your resources into paying that off, and then move on to your second largest debt.
✔ Stop adding to your debt—no more financing crap you can’t afford! If you can't pay cash, you can't buy it!
✔ Negotiate lower interest rates—it may take a miracle, but it's always worth a phone call.

Step 5: After You're Debt Free - Invest Like a Boss (Because Saving Alone Won’t Make You Wealthy)

Saving is not enough. Inflation will eat your money alive if you don’t put it to work. Wealthy people invest their money so it grows while they sleep.

🚀 Take Action:
✔ Start investing NOW—even if it’s just $50 a month. (remember, invest in yourself first! A new skill or piece of equipment that upgrades your game)
✔ Put your money in assets—Bitcoin (you can buy $10.00 worth at Coinbase.com), investment or fix and flip real estate, low cost index funds, or a business.
✔ Educate yourself on building wealth—no more saying “I don’t know how.” Learn it.
✔ Automate your wealth—set up automatic investments so you don’t have to think about it.

Get Your Money Right & Take Control

Here’s the truth: No one is coming to save you. The government won’t fix your financial problems, and you can’t just wish for more money—you have to TAKE ACTION.

🔥 The Formula for Financial Success:
✅ Face your financial reality—stop pretending.
✅ Cut unnecessary spending—stop living like you’re rich when you’re not.
✅ Increase your income—learn skills, start a side hustle, demand more.
✅ Eliminate debt FAST—it’s killing your financial future.
✅ Invest and make your money work for you—this is how you build wealth.

You don’t need a six-figure salary to get rich. You need discipline, strategy, and action!

So, are you going to stay stuck? Or are you going to un-f*ck your finances and start thriving?

The choice is yours. Start today. 🚀

Author Bio

Jeff Hammer is a Mindset Architect and success strategist dedicated to helping individuals break through limiting beliefs, shift their mindset, and unlock their full potential. With decades of entrepreneurial experience, Jeff has built and sold successful businesses, proving firsthand the power of mindset in achieving extraordinary results.

As the founder of DominatingEdge.com, Jeff provides transformational insights, guiding people to reprogram their thinking, overcome self-doubt, and take bold action toward their dreams. His approach blends practical wisdom with high-performance strategies, empowering individuals to create lasting success in business, wealth, and personal growth.

Jeff’s mission is simple: help others master their mindset so they can master their lives. 🚀