Do More Money

1. Physical Health: Your First Investment

Good physical health improves focus, stress tolerance, and decision-making.
If you’re always tired, sick, or foggy-minded, even the best financial plans will fail.

📌 Practical examples:

Consistent, quality sleep (7–8 hours):
Sleep resets your brain. A Harvard Business Review study shows that people who sleep poorly are 29% more likely to make impulsive financial mistakes.

Daily physical activity (even minimal):
You don’t need a gym. Just walk fast for 30 minutes or use a stationary bike.
→ It reduces anxiety, stimulates your mind, and builds consistency.

Simple, balanced nutrition:
Avoid sugar spikes, processed food, and skipped meals.
→ A protein-rich breakfast (eggs, Greek yogurt, nuts) boosts mental performance by up to 20%.

2. Mental Health: Key to Smarter Financial Choices

Mental health helps you manage the emotions connected to money.
Research shows that practicing financial mindfulness leads to more rational decisions and greater financial stability.

📌 Practical examples:

Weekly mental check-in:
Spend 10 minutes each Sunday reviewing your income, spending, and goals.
→ It lowers anxiety and builds confidence.

Recognize automatic behavior:
If you find yourself buying things to feel better, pause and ask: “Am I buying this out of need or emotion?”

Stress management techniques:
Take 3 minutes of deep breathing before making big decisions.
→ This calms your brain and helps you see things more clearly.

3. Psychological Strength = Financial Discipline

Once you start earning, you need mental strength to avoid wasting money. Real wealth is not just about making money — it’s about keeping and growing it.

📌 Practical examples:

Reinforce the habit:
Celebrate when you hit a milestone. This builds a positive link with saving and strengthens consistency.

Set clear goals (using the SMART method):

Specific: I want to build an emergency fund

Measurable: I aim to save €5,000

Achievable: I’ll save €200 a month

Relevant: For peace of mind in case of unexpected expenses

Time-bound: In 25 months
→ This turns a vague idea into a real, structured plan.

Basic financial education:
Read one book a month on personal finance (e.g., Rich Dad Poor Dad or The Psychology of Money).
→ Just 20 minutes a day can change your mindset.

Automate your savings:
Set up an automatic transfer from your main account to a savings account right after payday.
→ No decisions, no temptations.