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Let me be honest with you—I’ve spent years studying what separates those who consistently attract financial abundance from those who struggle just to make ends meet. And I’ve come to realize that attracting money isn’t some mystical process reserved for a lucky few. It’s more like a disciplined game plan, not unlike what we see in professional sports. Take Monday’s NFL matchup, for example. Both teams entered the game after rough starts, and you could feel the tension in their play-calling. Coaches knew that protection and avoiding turnovers would dictate the outcome. In the same way, when it comes to money, protecting what you have and avoiding costly mistakes form the foundation of lasting wealth.

Early in that game, the offenses were conservative—almost hesitant. They didn’t want to risk an interception or a fumble. I see the same pattern in people’s financial behavior. So many of us are afraid to take even small, smart risks because we’re scared of losing what little we have. But here’s the thing: playing it too safe can keep you stuck. I learned this myself early in my career. I used to stash every spare dollar in a low-yield savings account, thinking I was being responsible. But with inflation averaging around 3% over the past decade, I was actually losing purchasing power year after year. It wasn’t until I shifted my mindset—from protection to strategic growth—that things started to change.

Just like in football, you’ve got to know when to stretch the field. In the second quarter of that game, one offense began to gain confidence. They took calculated shots downfield, and it paid off. Similarly, once you’ve built a solid financial base—an emergency fund covering at least six months of expenses, for instance—it’s time to look for opportunities that offer higher returns. For me, that meant starting with low-cost index funds. Over the past five years, my portfolio has averaged roughly 9% annual returns, and while past performance doesn’t guarantee future results, the principle holds: you have to put your money in a position to grow.

Another key takeaway from the game was how special teams and short-field scores often decide close matchups. It’s the small, consistent efforts—the equivalent of a well-executed punt return or a clutch field goal—that create tipping points in your financial life. I make it a habit to automate my savings and investments. Every month, 20% of my income goes straight into investment accounts before I even see it. That’s my version of a special teams play—consistent, underrated, but game-changing over time. And just like a surprise turnover can swing momentum, unexpected financial opportunities do come along. Being prepared with a little extra cash or a side income stream puts you in a position to capitalize.

Of course, none of this works if you’re constantly giving away your hard-earned money through fees, impulsive spending, or high-interest debt. The team that limited giveaways in that Monday matchup controlled the game. I see so many people overlook the impact of small, recurring expenses. Did you know the average American spends nearly $1,200 a year on subscription services they barely use? That’s money that could be working for you instead. Clean up your financial playbook—consolidate debt, negotiate bills, cut the fat. It’s not glamorous, but it works.

By the fourth quarter, the team that had protected the ball, taken smart risks, and capitalized on short-field situations came out on top. Your financial journey is no different. It’s not about one magical decision; it’s about a series of intentional steps. Start by shoring up your foundations, then gradually expand your comfort zone. Look for ways to make your money work smarter, not just harder. And remember—just like in football, the most progress often happens when you stick to the plan, even when it feels slow. I’ve been there. It took me three years to pay off $28,000 in student loans, but the financial and mental freedom that followed was worth every sacrifice. You’ve got this. Start today, and watch the momentum build.