Most people don't have a money problem… they have a Parkinson's Law problem. Your expenses quietly rise, your "extra" money disappears, and the timeline for big goals keeps stretching—until one day you realize you're working harder but staying in the same place.

👉 Follow Mary Jo Here: https://www.youtube.com/channel/UCXYvzroUouEMsTGKFw5nJHQ
👉 Get the book: https://www.withoutthebank.com/book/

In this episode, we break down the 3 parts of Parkinson's Law and how to beat it daily—so you can redirect cash flow, build financial momentum, and stop losing every raise, payoff, or "found money" to lifestyle creep.

Key takeaways:
Work expands to fill the time allowed (and so do money decisions)
A luxury once enjoyed becomes a necessity (hello, lifestyle inflation)
Expenses rise to equal income (why raises vanish fast)
Why "we don't have the money" often means we won't redirect spending
How discipline + simple systems can put you ahead of the 97%

Chapters:
00:00 The hidden sacrifice behind "overnight success."
01:53 What Parkinson's Law is (and why it matters)
03:08 Rule #1: Work expands to fill the time allowed
06:03 Rule #2: Luxury becomes necessity (lifestyle inflation)
08:40 Rule #3: Expenses rise to equal income
12:05 Beat it daily—or stay stuck
18:36 Proof it takes less effort than you think (the "top 1%" effect)

If this hit home, like, subscribe, and share with someone battling lifestyle creep. And if you want help applying this to your cash flow + "banking system," reach out:

📩 Mary Jo: MaryJo@WithouttheBank.com
📩 Teresa: Tarisa@WithouttheBank.com