Hey Reader,

This month’s challenge comes from the book Never Enough: From Barista to Billionaire—the story of a man who built a net worth approaching $1 BILLION, bought the mansions, supercars, and waterfront vacation homes… and became increasingly miserable.

What struck me most wasn’t the size of his wealth.

It was how NO amount of money protected him from the trap of wanting MORE.

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​In fact, the more he bought, the less time, peace, and joy he had.

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This is a pattern all of us fall into, regardless of our net worth:

Lifestyle upgrades feel magical—until they quietly become the new normal.

He found himself needing bigger, better, newer things to feel the same “upgrade high.”
And yes—even with hundreds of millions—he still created an overspending problem.

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His wake-up call came when he spent time with people even wealthier than he was—people competing over super-yachts. When he saw their unhappiness, he realized:

“If I keep chasing more, I will never feel like I have enough.”

The most important part of the book (in my opinion):

Even with insane amounts of wealth, these were the moments he felt happiest:

• pushing his sons on the swings
• appreciating a sunset
• a challenging tennis match
• laughing over dinner with old friends
• chopping vegetables while his kids played in the yard

And those moments of happiness?

They were becoming rare—squeezed out by emails, logistics, the upkeep of everything he owned, and the increasingly overwhelming workload required to fund it all.

So he changed everything.​
He pared back, stopped optimizing for endless accumulation, and rebuilt his life around what actually mattered: time freedom, presence, meaningful work, and peace of mind.

This book reinforced this truth:

⭐ The goal is NOT to maximize wealth.

The goal: Know when you're saving and investing enough—so you can focus less on accumulating and actually ENJOY your life!

Money Fit Challenge of the Month:

✅ Define Your “Enough" by building (or updating) your Long-Term Financial Plan

When you know you’re on track for your goals, you stop chasing upgrades that don’t make you happier, and you start investing in the things that do:

• quality relationships with friends and family
• time freedom
• meaningful work
• the mental and emotional bandwidth to enjoy your people

This is the heart of Money Fit Moms:
​Every woman deserves a long-term financial plan so she can buy time freedom—not just more stuff.

👉 If you want help creating that plan, I’m opening enrollment to my Build Your Money Fit Plan group in January. To learn more, save your seat for my free class here:

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Your nerdiest finance friend,

Lisa Schader, CPA

Financial Coach - Founder of MoneyFitMoms

Want help getting your finances on track? That's my passion! 🤗

P.s. This is your monthly reminder to update your Net Worth​

. . . an easy way to track your financial progress.

Want the Money Meeting Agenda?

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