Stop saving your money

Most entrepreneurs have been taught the same outdated money advice:
“Save every dollar. Cut expenses. Avoid debt at all costs.”

But if that advice worked, why aren’t more people wealthy?

Wealth isn’t built by saving—it’s built by leveraging money the right way.

The entrepreneurs scaling the fastest aren’t the ones hoarding cash in a savings account. They’re the ones using other people’s money (OPM) to fund their businesses, invest, and grow exponentially.

You limit your potential if you’re playing small by relying only on what you can save.

Let’s talk about why saving alone won’t make you rich and how to start leveraging money to grow faster.

Saving money feels safe. It’s predictable. 

But here’s the harsh truth:

If you had $10,000 saved five years ago, it has lost nearly 25% of its value due to inflation. Cash sitting in a bank is losing purchasing power every day.

If you want to grow, you need capital. Relying only on personal savings slows business growth—especially when you can access $150,000+ in 0% interest business credit.

Millionaires don’t just stash cash in savings accounts. They put their money into assets that generate more money—businesses, investments, real estate, and leveraged credit strategies.

The takeaway? Saving is not a wealth-building strategy. Leverage is.

Use business credit instead of personal savings. 

Instead of draining your cash, use business credit to fund operations, marketing, and growth. Business credit doesn’t report to your personal credit profile and offers higher limits than personal cards.

For example, I’ve helped clients secure $150,000+ in business funding at 0% APR. That’s free money to invest in scaling their business—without touching their savings.

Your next step: 

Apply for a business credit card with a 0% intro APR period and use it strategically to fund business expenses.

Turn spending into free travel and business perks. 

Every dollar you spend should be working for you. Smart entrepreneurs don’t pay for flights and hotels—they earn them through rewards points.

For example, a client saved $72,000  on a luxury family ski trip to Switzerland using points from business credit cards. That’s money they can reinvest into their business and investments.

Your next step: 

Get a high-reward business card that earns points on business expenses, and use it to cover future travel costs.

Invest instead of saving excess cash. 

Money sitting in savings is dead money. Put it to work in high-yield investments, real estate, or reinvest it into your business. 

For example, an employee built a $200,000+ investment portfolio within 3 years after college by investing strategically, not by hoarding cash. 

Your next step: Allocate at least fifty percent of your excess cash flow into investments that generate passive income or high returns.

The difference between struggling entrepreneurs and thriving entrepreneurs is simple.

Struggling entrepreneurs rely on savings, play small, and grow slowly.

Thriving entrepreneurs use credit, rewards, and strategic investments to accelerate growth.

You're leaving money on the table if you have a 720 or higher credit score and aren’t leveraging it.

Your money should work for you. Not the other way around.

This week’s award travel redemption:

Route: Washington DC (IAD) → Lisbon (LIS) in United Polaris Business Class.
Points Used: 60,000 Aeroplan Miles + $60 in taxes.
Retail Price: $7,386
Total Savings: $7,000+

Imagine flying in style, enjoying à la carte dining at the Polaris Lounge at IAD, all booked with points instead of cash.

If you’re sitting on points and don’t know how to maximize them, we can help.

Unlock premium travel without paying premium prices with our Award Booking Service. 

If you’re ready to stop playing small and start leveraging money the right way, I can help.

Book a consultation, where I’ll walk you through securing business funding, optimizing your credit, and leveraging rewards to scale your business.

Click here to apply for a consultation and take the next step toward financial fitness.

Let’s stop saving for security and start leveraging for wealth.

– Ade O.