How It Happens

You get a promotion. Suddenly the apartment that was fine feels too small. The car that worked seems outdated. The clothes you wore feel wrong for your new position. Before you know it, your expenses have risen to match your new income.

The Hidden Cost

Every dollar that goes to lifestyle inflation is a dollar that isn't going to debt payoff, savings, or investments. Over ten years, that $500 per month invested could grow to over $80,000.

Fighting the Creep

You don't have to live like a monk. But be intentional about upgrades. When you get a raise, immediately redirect at least half to savings or debt.

Track Your Spending Over Time

Spendify shows you how your spending categories change over time. You can literally watch lifestyle creep happening and catch it before it gets out of control.