Mel Abraham#1 Best Selling Author, Money Mentor

Doing Everything Right, Still Feel Behind

17 Oct 2026 · 1 min

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In this short talk, Mel Abraham addresses the common experience of disciplined savers who, despite consistently investing large sums (e.g., $3,000 per month for six years) and seeing their retirement accounts grow to several hundred thousand dollars, still feel financially behind. He explains that this sensation is not a failure of numbers but a psychological state he calls “momentum.” The diagnostic is a feeling rather than a metric: when the account balance climbs but the individual perceives no progress, they are in momentum. Abraham reassures listeners that being in momentum is normal and does not indicate that they are failing financially.

Chapters

This is where you start to say to yourself, I'm doing everything right, but why don't I feel rich? Picture the person who's been investing $3,000 a month for 6 years, but they still feel behind. That's what this runs about. That's the way it is. Now, here's how you know you're in momentum, because it's strange. The diagnostic is a feeling, not a number. You're doing everything right. The 401 is getting funded. It's automated. It's automatic. Money leaves every single month before you can spend it. You've got $300,000 in accounts, maybe $500,000. Things are moving, maybe 3/4 of a million. Doesn't matter. On paper, you're winning, and yet you still feel behind anyways. See, if the account is climbing but it feels like nothing's happening, you're not failing. You're in momentum.