Making more money is not the same thing as building wealth; what you do with the money after it lands matters more than the size of the check. In this Show Me Shena episode, we introduce the 20/40/40 rule—a way of thinking about allocation where, over time, you aim to live on 20% of what you earn, point 40% toward real estate and long‑term assets, and invest 40% into the operations that keep your earning engine alive. We talk about why wealthy families obsess over allocation, not just income; how middle‑class habits quietly turn raises into lifestyle creep; and how to move toward healthier percentages from wherever you’re starting. We break down what belongs in “life,” “assets,” and “operations,” and walk through simple examples at different income levels. Your team can expand this into a blog contrasting income vs allocation, outlining each bucket, and offering phased starting targets for listeners who can’t yet live on 20% but are ready to start shifting their ratios. Break the playbook and join our community at www.audiobookschool.com.