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Many people earn what looks like a solid income on paper — and still feel financially tight. This disconnect is frustrating, confusing, and often misunderstood. It can lead people to assume they’re doing something wrong, when in reality, the issue is usually how money flows, not how much is earned. In this video, we take a step back and break down why a “good salary” doesn’t always translate into financial ease. We explore the gap between gross pay and spendable income, how fixed expenses quietly expand, and why raises often get absorbed before they’re ever felt. This isn’t a budgeting lecture or a call to cut everything back. It’s a conversation about clarity, expectations, and visibility — and why understanding your cash flow often brings more relief than earning more. In this video, we cover: 1. The difference between salary and spendable income 2. How taxes, benefits, and deductions affect cash flow 3. Why fixed expenses create pressure over time 4. How raises and income growth get absorbed 5. Why feeling “broke” is often a clarity issue, not a failure ------------------------ Securities and investment advisory services offered through LPL Enterprise (LPLE), a Registered Investment Advisor, Member FINRA/SIPC, and an affiliate of LPL Financial. For hyperlinks to FINRA and SIPC, please refer to ‘Contact’ section. LPLE and LPL Financial are not affiliated with Vincent Hirsch Financial Services. Third party posts found on this profile do not reflect the views of LPL Enterprise and have not been reviewed by LPL Enterprise as to accuracy or completeness. The financial professionals associated with LPL Enterprise may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.