The most important lever of our personal finances

While most discussions on personal finance are focussed on spending, saving and investing; not adequate attention is given to the topic of earnings. Your cannot save more than what you earn and you cannot invest more than what you save. So the most important lever to improve your personal finances is to focus on your earning.

When it comes to our earnings, I am not sure if it would be easy for us to find many who would be happy with our earnings. For the majority of us the key questions to ask ourselves is the simple questions:

1. Do people know what we are really worth?
2. Are we really worth what we believe ourselves to be?

At times the answers to these two simple questions can be uncomfortable. However if we can address these two questions most effectively, we will be maximizing the impact of the most important lever which will improve our personal finances. 

While we keep talking about spending, saving and investing but one must not forget the impact of our earnings on our personal finances.