Pay Yourself First

In partnership with

Hey Coach,

Why Most Coaches Fall Behind Financially

You work hard, earn your paycheck, and then… the bills start piling up. Mortgage, car, groceries, kids’ activities, and suddenly, there’s nothing left to save.

This is the mistake many coaches make: they save last - if at all.

But the best financial play you can run?
👉 Pay Yourself First.

What Does “Pay Yourself First” Mean?

It means setting aside money for your future before you spend on anything else.
Your priorities shift from:

1. Pay bills → Maybe save what’s left
   to:

2. Save/Invest → Then pay bills with the rest

Think of it as guaranteeing your own playing time before handing minutes to everyone else.

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Why It Works

✅ Forces Discipline
Just like a daily practice routine, paying yourself first becomes automatic.

✅ Builds Wealth Over Time
Even small, consistent contributions add up. $200/month grows to nearly $250,000 in 30 years at 8% growth.

✅ Reduces Stress
You’re no longer hoping “something is left over.” You’ve already scored before the other team gets the ball.

How Coaches Can Apply It

• Set up auto-transfers from your paycheck into your Roth IRA or 403(b).

• Treat savings like a non-negotiable bill - just like rent or your car payment.

• Start small if you need to: even $50/month builds momentum.

• Use side income (camps, clinics, stipends) to boost savings instead of spending it all.

Coaching Analogy

Imagine trying to win games by waiting until the last 2 minutes to start scoring.
That’s what saving last looks like.

Paying yourself first is like coming out strong in the first quarter - you set the tone and control the game.

📝 Coach’s Challenge This Week

Set up an automatic transfer today.
Whether it’s $50 or $500, schedule it to move into your Roth IRA, 403(b), or high-yield savings account the day you get paid.

Future you will thank present you.

👉 Share this with another coach who needs a simple, powerful financial habit.
Subscribe here for weekly plays: Wealth4Coaches Newsletter

Coach Mike Klinzing
Founder, Wealth4Coaches
"Coach smarter. Save better. Live freer."