by Liina Vettik
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by Liina Vettik
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Pay yourself first. You’re working hard, your business is growing, and the revenue is coming in. On the surface, everything looks great. But when you check your personal bank account, it doesn’t reflect the success you’re creating.
You’re the last one to get paid—if you get paid at all.
Where does the money go? Expenses, team salaries, reinvesting in your business, paying for systems, coaching, and personal development. It’s all important, but somehow, there’s never anything left for you.
I see this pattern in so many women entrepreneurs. They build businesses, generate wealth for others, and keep pushing forward—but when it comes to their own financial freedom, they’re stuck.
If you’re making money but not seeing real personal wealth, the issue isn’t your business. It’s your mindset. And until you shift that, nothing will change.
The Hidden Trap: Why You Keep Putting Yourself Last
As women, we’re wired to nurture, to give, to take care of others first. That same instinct follows us into business. We make sure our employees, contractors, and service providers get paid. We reinvest in growth, in marketing, in making things better for our clients.
And where do we place ourselves? At the bottom of the list.
We wait for the leftovers.
But here’s the harsh truth: There will never be leftovers. No matter how much your revenue grows, if you don’t prioritize yourself, your financial situation will never change.
Because money is emotional. It’s not just numbers—it’s beliefs, habits, and subconscious patterns that have been running your life for years.
And one of the biggest patterns that keeps women stuck? The “Good Girl” Trap.
We grow up believing that putting ourselves first is selfish. That wealth should be earned through struggle. That wanting financial success for ourselves—beyond just covering the bills—is somehow greedy.
So we keep giving. We keep paying everyone else. We keep telling ourselves that “one day” we’ll prioritize our own wealth—when the business is more stable, when there’s more profit, when the time feels right.
But that day never comes.
Because financial freedom doesn’t happen when you make more money. It happens when you start keeping more of what you make.
The Shift That Changes Everything: Pay Yourself First
The difference between entrepreneurs who create wealth and those who don’t isn’t intelligence, skill, or even hard work.
It’s this one simple shift: Pay yourself first.
Not after you cover expenses. Not when it’s convenient. Not when you feel like you’ve “earned it.”
First. Every single time money comes in.
You’ve heard it before—but are you actually doing it?
Because this one habit, done consistently, is the key to breaking free from the cycle of working hard but never feeling financially secure.
The 10% Rule: Start Building Real Wealth Now
If you’re ready to stop waiting for financial freedom and actually start creating it, here’s what you need to do:
- Every time money comes into your business, take 10% and put it in a separate account.
- This isn’t savings for emergencies. It’s not reinvestment. It’s your money.
- You don’t touch it until you use it to buy income-generating assets—real estate, stocks, businesses, or anything that creates long-term wealth.
- This is how true financial independence is built—not by working harder, but by letting your money work for you.
And here’s the most important part: You start now. Pay yourself first.
Not when you “have more.” Not when you feel ready. Now.
Even if it’s 5%. Even if it’s 1%. The habit matters more than the amount.
Because if you don’t train yourself to prioritize your wealth now, you never will.
Why Most Entrepreneurs Never Do This
If this isn’t new information, but you’re still not doing it, ask yourself why.
What beliefs are holding you back?
- “I don’t make enough money to do this yet.”
- “I need to reinvest in my business first.”
- “I’ll start saving when things feel more stable.”
These are all lies that keep entrepreneurs stuck.
Because here’s the reality: Your business will always need something. There will always be another investment, another opportunity, another expense.
And if you don’t take control of your wealth now, you never will.
Money & Self-Worth: The Deeper Issue No One Talks About
At the core of this isn’t just a financial issue—it’s a self-worth issue.
Too many women struggle with receiving. With keeping. With allowing themselves to build real financial security.
They say they want wealth, but deep down, they don’t believe they deserve it.
But here’s the truth:
- If you have more money, the more impact you can make.
- You have more choices when you have financial freedom.
- The more you take care of yourself, the more you can give—without resentment, stress, or struggle.
Wealth isn’t about greed. It’s about choice, power, and freedom.
And it starts with the decision to pay yourself first.
This is how financial freedom starts—not with a bigger paycheck, but with a bigger commitment to yourself.
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