Newsletter 58:💰 Why the Rich Stay Rich (And What the 25155010 Rule Can Teach You)

Ever wondered how the top 1% actually manage their money?

It's not about having a huge paycheck or working 80-hour weeks. It’s about ownership, discipline, and having a simple but powerful system for managing income.

In this issue, we dive into the 25155010 Rule, shared by Mark Tilbury — a game-changing personal finance framework that’s helping regular folks grow their wealth like the ultra-rich.

Let’s break it down.

🧠 The Harsh Truth About Paychecks

The richest people in the world are:

• Entrepreneurs
• Investors
• Inheritors
• High-income, highly skilled professionals

What do they have in common?

They own things. Businesses. Assets. Intellectual property. Rare skills.

Meanwhile, most of us are stuck earning a paycheck… and spending it just as fast. That’s where the 25155010 Rule comes in — a system that reprograms your money habits toward growth and freedom.

🔢 What Is the 25155010 Rule?

It’s a simple income allocation formula:

• 25% for Growth: Invest in assets — index funds, property, stocks, or even online businesses.
• 15% for Stability: Build an emergency fund (5 months of living expenses) in a low-risk, accessible account.
• 50% for Essentials: Housing, groceries, transport — no lifestyle creep allowed.
• 10% for Rewards: Guilt-free spending on fun, joy, and relationships.

It’s not restrictive. It’s empowering. You build wealth, protect yourself from emergencies, and still enjoy life — all without financial guilt or burnout.

💡 3 Smart Shifts You Can Make Today

1. Start investing NOW, not later
   The video compares two people:

• Billy starts at 20, investing small amounts.
• Phil starts at 30, investing twice as much.
  💥 Billy still ends up wealthier — all thanks to compound interest.

2. Reframe your “essentials”
   Just because you “need” a car doesn’t mean you need a brand new car.
   Cut subscriptions. Renegotiate rent. Make 50% your essentials ceiling — not your floor.
3. Set up a “joy jar”
   The 10% reward rule isn’t fluff — it’s mental fuel. Spend this money on experiences and memories, not stuff. You’ll stay on track longer when your life feels fun, not deprived.

🔄 Why Systems Beat Willpower

Trying to “budget better” using discipline alone rarely works.

Instead, automate your allocations:

• Direct 25% to your investment account monthly.
• Park 15% in a high-yield emergency fund.
• Transfer 10% into a “fun money” account every payday.

When your system is set, you don’t need to overthink your money — it flows where it needs to go.

📉 Why Most People Struggle Financially

• They overspend on status (cars, clothes, houses).
• They wait too long to start investing.
• They react to emergencies by cashing out investments.
• They never define what “enough” actually means.

The 25155010 Rule solves all of that by giving your money a job — and sticking to it.

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📖Book pick

$100M Offers: How To Make Offers So Good People Feel Stupid Saying No

Why You Should Read This
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🧭 Final Thought

Wealth isn’t about luck or hustle. It’s about:
✅ Starting early
✅ Owning assets
✅ Having a system
✅ Living below your means
✅ Enjoying the ride

With the 25155010 Rule, you don’t need to be a millionaire to act like one.

Start with what you have. Automate the flow. Watch your freedom grow.

Stay sharp, stay spiky — be the hedgehog with a strategy
- Mindy
Founder, Hedgehog Huddle

P/S: Our readers don’t just stop here. They’re also reading these high-performing newsletters.