You got the raise. Or the promotion. The one you swore would finally move the needle on your goals. Six months later? Your paycheck’s bigger, but your progress isn’t. That disconnect is called lifestyle creep. It’s not failure—it’s just natural. We adapt quickly, and more income quietly turns into more takeout, more subscriptions, and more spending. Some of that is deserved—you should enjoy the reward. But if you’re not getting traction on what matters most, it’s time to reset.
Every dollar has three jobs: spend, save, or share. If your raise was meant for saving or debt payoff, the fix is simple: automate it. Bump up your 401(k) or Roth contribution. Set up an auto-transfer to savings. Schedule extra debt payments to hit the day you get paid. Automation protects your priorities from your impulses. You don’t need to feel guilty about enjoying your success—but make sure your raise is building your life, not just inflating it.
Did You Know?
Your employer sponsors this financial wellness benefit from Francis. The benefit connects you with down-to-earth financial planners who educate and advise on any money matters…without the sales pitch. We are exclusively engaged by employers like yours and have no investment products to sell, so you can feel confident that you will always receive objective advice.
Your financial planner will help you set priorities and achieve your money goals, without judgment or financial jargon. Know that all discussions are kept strictly confidential. This service is offered as an employee benefit with no per-session co-pays, so you can meet with a financial planner as often as you wish. Services are paid by your retirement plan or your employer.
Connecting with a financial planner is easy! Here’s how:
- Visit FrancisWay.com > Services > Participant Portal
- Call (866) 232-6457
Download the free mobile app (Search for Francis LLC)
