📱 eBook en inglés THE GOLDEN HANDCUFFS

You got a raise, but you dont feel any richer. Why? Financial planner Julian Banks tackles the phenomenon of "Lifestyle Creep" in "The Golden Handcuffs." Banks explains the "Hedonic Treadmill"—the psychological adaptation where we quickly get used to luxury, turning treats into necessities.
The book illustrates how high-earners often live paycheck to paycheck because their spending rises in lockstep with their income. Banks discusses the social pressure of "keeping up with the Joneses" in the age of Instagram and the trap of upgrading cars and homes to match a new job title.
"The Golden Handcuffs" provides a framework for "Reverse Budgeting": saving the raise before it hits the checking account. It challenges readers to define their "Enough" number, arguing that true wealth is not the ability to buy more, but the freedom to need less.