These 3 Money Habits Keep You Stuck (And How to Break Free)

David Mitchell • April 2, 2025

Have you ever felt like no matter how hard you work, you’re just spinning your wheels financially? You’re not alone. Millions of people struggle with money, and it’s not because they don’t work hard enough—it’s because they’re caught in three common financial traps. These money habits keep people stuck, preventing them from building real wealth and achieving financial freedom.


But here’s the good news: you can break free. By shifting your mindset and applying a few key strategies, you can change your financial future forever.


Let’s dive into the three biggest money habits that keep people stuck—and what you should do instead.

#1 Spending Money on Expenses Instead of Investments


Most people think of money in terms of spending. Bills, groceries, car payments—it all feels like an endless cycle of earning and paying. But wealthy people think differently. Instead of spending money on expenses alone, they prioritize investing—and that’s a game changer.


What’s the Difference Between an Expense and an Investment?


  • An expense is money spent on something that gets used up (utilities, food, subscriptions, rent, etc.). It doesn’t generate future income.
  • An investment is money put into something that has the potential to grow and create wealth over time.


Think about it: If you buy a new TV, that’s an expense. But if you take that same money and invest it in an asset that generates cash flow—such as the stock market—you’ve planted a seed that can grow into future wealth.


The Best Investment You Can Make? Yourself.


Most people stop learning once they finish school, but the most successful individuals never stop investing in their education. Learning high-income skills—like stock trading—can completely change your financial trajectory.


The fastest way to change your money situation is to learn how to make money work for you instead of constantly working for money. That’s exactly what we teach at TRADEway, giving you the tools to build generational wealth by investing in the stock market.

#2 Paying Off Debt the Wrong Way


You’ve probably heard financial gurus say that you should pay off your debt as quickly as possible. It sounds responsible, right? But here’s the surprising truth: paying off your debt too fast can actually  keep you stuck.


The Bible even teaches that debt should be paid off last—not first.

Why? Because if you put all your money into paying off debt before you start investing, you wipe out your assets. Then, the next time an emergency comes up, you’re forced to go back into debt—and the cycle continues.


A Better Strategy for Paying Off Debt


Instead of putting every extra dollar into debt payments, take some of that money and invest it. Let your investments grow, and then use that new money to pay off your debt. That way, you’re building wealth while eliminating debt—rather than depleting all your resources.


For example, instead of working extra jobs and sacrificing time with your family just to pay off debt, what if you learned how to make your money multiply? At TRADEway, we teach everyday people how to use rolling stocks and options strategies to generate additional income—so you’re not stuck working harder for the same dollars.

#3 Thinking Your First Big Investment Should Be a House


For decades, people have been told that the smartest financial move is to buy a home as soon as possible. But here’s the truth: buying a house too soon can actually slow down your wealth-building process.


Why? Because a house is a liability, not an income-producing asset.


What to Do Instead


Instead of putting all your cash into a house upfront, consider investing in high-return opportunities first—like stock trading. With the right skills, you can multiply your money faster and then use that wealth to buy a home outright or make a smarter investment later on.


For example, using strategies like rolling stocks and options trading, you can generate returns significantly higher than what you’d get from real estate appreciation. Imagine being able to buy a house without a mortgage, just from the profits you make through smart investing.

The Power of Skill-Based Investing


Most people think the stock market is risky. With the right education, you can learn proven strategies that allow you to generate consistent income from the market.


Consider this:

  • Many people only know how to make money when the market goes up. But what if you could also profit when stocks go down?
  • Many traders don’t realize stocks move in three directions: up, down, and sideways. Learning how to profit in all market conditions can maximize your income opportunities.


At TRADEway, we break down investing into simple, step-by-step processes that can be followed—no Wall Street background required.


How to Start Making Your Money Work for You

If you’re ready to break free from these three money habits and start building real wealth, we have something special for you:


Join the Unlock the Stock Market Challenge


This is your opportunity to learn the exact strategies that can help you multiply your money, pay off debt smarter, and invest for the future—all without years of financial training.


🔹 Learn step-by-step trading strategies 

🔹 Understand how to create cash flow from the stock market 

🔹 Discover how to make your money work for you, not the other way around


🚀 Spots are limited! Click here to join the Unlock the Stock Market Challenge  today and take your first step toward financial freedom.


Final Thoughts


The reason most people stay stuck financially isn’t because they don’t work hard—it’s because they’ve been taught the wrong money habits. By shifting your mindset and learning high-income skill sets, you can take control of your financial future.


Don’t just work for money—learn how to make money work for you.


👉 Sign up for the Unlock the Stock Market Challenge now!


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