At this point, we have passed the halfway mark into 2022. Even though you have probably made some resolutions for this year, it is also a time to sit back and evaluate your spending and determine how to grow financially. There are so many things to do with money, and having financial freedom can significantly improve specific areas of your life. If you want to make the most money you have ever imagined possible, then this article is for you. Here are some tips on how to live your richest life in 2022.

Ask For More Money

The pandemic has placed the U.S. job market in an unprecedented time, and although "The Great Resignation" caused the rate of employees who quit to escalate, this is an advantage to many who are in jobs that they love. If you are still employed at your job, then you have some leverage to negotiate your salary. Sometimes, asking for money can be daunting, but you can do it. A great way to accomplish this is to remind management about your work ethic and how much you contributed to the team.

Pick a Side Gig

If you earn enough to cover the bills but need some extra financial wiggle room, then it might be time to pick up a side hustle. There are plenty of opportunities to earn more money in addition to your full-time job. A little internet search will show various jobs that you can pick up on the weekends or during your extra time.


If you have never paid any attention to investing, now might be the best time to do so. Many people shy away from investing because it can seem intimidating, but there are numerous ways to invest successfully. If you are overwhelmed and don't know where to start, consider finding resources online or reaching out to affordable financial experts who can help you understand the different options you have. 

Say "no" to Unnecessary Spending

With so many retail stores advertising their products at every turn, it can be extremely challenging for some people to avoid spending unnecessarily. If you have had a hard time saying "no" to spending, think about your future and the goals you are trying to achieve. The chances are that in the near future, some of the items that are on sale will end up becoming out of style. Instead of putting money towards items that will only depreciate over time, make a conscious effort to save instead.

Have a plan 

As you work towards building a richer lifestyle in 2022, it is important to be intentional, and part of that process is having a plan that you can stick to. Without a plan that you watch closely, you could end up not making any progress at all, and that could hinder your overall goals. Without a plan, any attempt you try to make will only seem futile. Having a plan will serve as a guide for your future plans. No matter how small your planning steps are, take them and consistently stick to them regardless of your occasional need to give up.