We often think wealth is about earning more but the real magic happens when you keep more of what you earn. That’s where surplus cashflow comes in. It’s not flashy, but it’s one of the most powerful ways to build long-term financial security, and it’s completely within your control.   In this episode of Her Money Matters, we break down why surplus cashflow is potentially the single biggest key to building wealth. You’ll learn: Why earning more doesn’t always mean getting ahead What surplus cashflow actually is (and why it’s not about restriction) How to spot the hidden leaks in your money habits And how a few simple tweaks can help you create the breathing space to save, invest, and plan for the future We’ll also talk about how to reframe budgeting—so it feels less like punishment and more like empowerment.   💡 Need a tool to help you get started? I’ve included a link to the MoneySmart Budget Planner, a free and practical tool that makes tracking your money simple and clear. 👉 https://moneysmart.gov.au/budgeting/budget-planner   If you’d like help getting clear on your cashflow and how to use it to build the life you want, I offer personalised financial coaching. You can find out more at:👉 https://www.hermoneymatters.com.au/coaching   So tune in, grab a notebook, and let’s start showing you the money—because wealth starts with what you keep.