The financial system wasn’t built for ordinary people. It was built around and about them to extract value from their work, savings, and spending.
The rules of money have long favored the markets, the banks, and the financial services providers. They win whether prices rise or fall. They earn fees, interest, and margins while most people struggle to keep up.
But here’s the truth they don’t tell you: you can’t beat the system by ignoring it. You beat it by understanding it.
The debt loop that feeds the machine
Take Mara, for example. At 29, she had a good job and a taste for lovely things like dinners out, home decoration, travel, fashion, to name a few. The credit card offers kept coming, the temptations to spend were all there, and she couldn’t refuse them.
Soon, she was juggling four credit cards, paying only the minimums, and wondering why her salary never seemed enough. By mid-month she was broke. She had to draw from her overdraft (the most expensive type of debt) to pay her bills at the end of month.
She lived in a debt loop - month in, month out.
The turning point came when she added up her interest charges. She was working a full month every year just to pay banks and financial platforms for the “privilege” of being in debt.
Mara decided to rewrite her money story. She froze her credit cards, automated small savings, and started learning about investing. First through podcasts, then by joining a women’s money group.
A year later, she had cleared her most expensive debt and bought her first index fund. Today, she continues to enjoy life but she budgets for joy on her terms, not the bank’s. She is intentional with her money.
Spending as a statement
To truly capture the significance of Financial growth through saving and investing, it all starts from spending with intention. Every purchase, every euro spent, is a vote for the life you want to live.
Suze Orman, the financial management expert says, “Every time you spend money, you’re casting a vote for the kind of world you want.” Intentional spending means asking: Does this align with my values? Does it move me closer to freedom or keep me trapped in the cycle?
Yes, the system is rigged. But it’s also open. The tools of wealth are there for anyone willing to learn, to set goals, and to practice self-discipline.The mindset shift is simple: stop thinking like a customer and start thinking like an owner. That’s the real intention.
In Queens of Money seminars we discuss the value of owning your mind, owning your money, and owning your power.