Most high earners are making their most important financial decision — where their income goes — by default. The money arrives and it goes where it has always gone: taxes, lifestyle, obligations, and whatever is left over. Capital allocation is the deliberate decision, made in advance, about how each dollar is deployed before it can be absorbed.
- The sequence in which income is allocated determines the outcome, not the amount
- Lifestyle inflation is automatic; wealth allocation requires a system
- Most high earners are funding their current life at the expense of their future structure
- The allocation decision is not made at tax time — it is made the moment income arrives
"The question is not how much you made. It is what you did with it in the first 48 hours."