Ever notice that even with more income, your financial situation stays  exactly same?  A boost in clients didn't increase your net worth, it only added more expenses.  That big promotion was stymied by the new car or more frequent vacations.  Saving money is never exciting, particularly for new freelancers who want to pour all their earnings back into their business.  We've all heard the saying, "you got to spend money to make money", and certainly there are areas where that sentiment holds true.  However, if you apply that philosophy to your life all the time, you just keep matching, if not exceeding, your income with new expenses and liabilities.  In this episode, Michael and Robert discuss the dreaded "lifestyle-creep" and how discipline, not knowledge, will allow you to get ahead.