If You Have Less Than $5,000 in the Bank, Do This Right Now

You’re Broke Because You’re Moving Too Slow

If you have less than $5,000 in the bank, you are in a financial emergency.

This isn’t just a “bad situation.” This is a crisis.

One unexpected bill and you’re at zero. No cushion. No backup. Nothing.

Most people treat being broke like it’s just bad luck. Like they can just wait it out.

That’s why most people stay broke forever.

But you don’t have to.

If you move FAST, you can get out of this situation in months, not years.

I’m about to give you the exact steps to stop being broke immediately.

Let’s get into it.

Cut Expenses Like a Ruthless CEO

Most people stay broke because they never fix their spending habits.

If you can’t manage $5,000 wisely, you’ll never handle $50,000 or $500,000.

Step 1: Track Every Dollar, For Real

Most people “think” they know where their money goes, but they don’t.

You need hard data.

Use one of these tools to automatically track your money:

• Monarch – Links all your bank accounts and credit cards in one place.

• YNAB – Forces you to assign every dollar to a category so nothing gets wasted.

When you see the exact numbers, you’ll realize how much cash you’ve been burning.

Step 2: Cut Every Unnecessary Expense Immediately

If you have less than $5,000, here’s what you must eliminate today:

• Streaming services: Netflix, Hulu, and Disney+ are luxuries, not essentials. Cancel them.

• Food delivery & restaurants: Stop paying for convenience. Learn to cook.

• Monthly subscriptions: If you forgot you even had it, it’s wasting money.

• Brand-name spending: Switch to generic products. Same quality, lower cost.

This is not permanent, it’s a short-term war on waste.

Step 3: Slash Your Biggest Bills

Most people overlook their highest fixed expenses. But these have the biggest impact.

• Rent: Get a roommate or negotiate with your landlord for a lower rate.

• Car insurance: Call and demand a lower rate or switch to a cheaper provider.

• Phone bill: Move to a low-cost provider like Mint Mobile.

Pro Move: Call your service providers and say:
"I need to lower my bill. What’s the best rate you can offer?"

They would rather keep you at a discount than lose you completely.

Step 4: Stop Using Credit Cards Like Free Money

If you’re relying on credit cards to survive, you’re in financial quicksand.

• Freeze your spending immediately.

• Prioritize paying off small debts first (debt snowball method).

• Negotiate lower interest rates. Many credit card companies will lower your APR if you ask.

Hard Rule: If you don’t have cash for it, you don’t buy it.

Now that you’ve stopped the financial bleeding, let’s talk about making real money.

Get a Second Job Immediately (No Excuses)

Your biggest problem is low income.

The fastest fix? Increase your earnings immediately.

This isn’t about waiting for a raise or hoping for a better job. It’s about creating cash flow this week.

Option 1: Work More Hours, Without Question

• Ask your boss for overtime shifts and weekend hours.

• Take on additional responsibilities, many jobs pay extra for night shifts or dangerous work.

• If your company offers commissions or bonuses, start learning exactly how to earn them.

This is instant money from a job you already have.

Option 2: Get a Second Job That Pays Fast

The right second job depends on how much time you have and what skills you can leverage.

• Security jobs – Low stress, overnight shifts available, and often pay above minimum wage.

• Warehouse work – Amazon and FedEx always need workers, and night shifts pay extra.

• Bartending / Waiting Tables – Fast cash in tips, often $200+ per night in the right location.

• Construction labor – Pays well, and some jobs require no experience.

Reality check:
If you aren’t willing to work a second job, you’re choosing to stay broke.

Option 3: High-Paying Gig Work

If you need fast money, look at high-paying gig work instead of low-level side hustles.

Best options:

• Appliance installation – People will pay $100+ to set up new appliances.
  

• Auto detailing – Wash and wax cars for $50–$150 per job.
  

• Manual labor jobs – Moving, landscaping, and junk removal pay way more than minimum wage.

Use Craigslist, Facebook Marketplace, and Nextdoor to find people who will pay you now. I did this sh*t, you can do it too.

Build a High-Income Skill Immediately

Getting a second job is a temporary fix.

If you really want to escape being broke, you need a skill that makes serious money.

I’m talking about high-income skills, the kind of skills people will pay thousands for because they make businesses more money.

Here’s what you need to start learning TODAY:

The Skills That Actually Make Money

• Sales – You learn how to sell, you will never be broke again. PERIOD. Every business needs people who can close deals. Top sales guys make $250K+ per year, no degree needed.
  

• Video Editing & Content Creation – Businesses, influencers, and brands are desperate for content. Learn how to edit short-form and long-form videos, and you can charge $50–$150 per video.
  

• Media Buying (Paid Ads) – You learn how to run Facebook, YouTube, and Instagram ads? You can print money for businesses, and they’ll pay you big to do it.
  

• Social Media Management – Every business needs someone to grow their audience. If you can make them go viral, they’ll pay you to do it.
  

• Online Fitness Coaching – This is exactly how I made money when I was broke. I took my fitness knowledge and started coaching clients online instead of in-person, low startup costs, high profit.

How to Get Started

You don’t need a degree. You don’t need permission.

Here’s what you DO need:

1. Pick ONE skill and commit. Stop bouncing around between 10 different ideas. Master one first.
   

2. Use free resources to learn. YouTube is FREE. Full tutorials are available right now, no excuses.
   

3. Start doing free work for 30 days. Get real experience. Help businesses, influencers, or local entrepreneurs for free so you can prove what you can do.
   

4. Monetize it ASAP. The second you get results, start charging for your work. Start low, then scale up fast.

This is EXACTLY what I did.

I didn’t wait for the perfect time. I was working four jobs and STILL started a business.

You don’t have time to waste. Start NOW.

The BMM Takeaway

If you’re still broke after reading this, it’s because you won’t do the work.

The truth is simple:

• You’re broke because you don’t track your money.

• You’re broke because you refuse to work extra hours.

• You’re broke because you never built a skill that pays well.

You think I WANTED to work four jobs? I didn’t have a choice.

I wasn’t about to sit around and feel sorry for myself.

I hustled my way out.

And the only thing stopping you is whether or not you’re willing to do what it takes.

This isn’t about motivation. This is about discipline.

One year of following this plan, and you will NEVER be broke again.

The only question is: Are you gonna do it?