Mel Abraham#1 Best Selling Author, Money Mentor

The Government takes its money first. You should too. #shorts

4 Sept 2026 · 1 min

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In this short, Mel Abraham argues that individuals should mimic the government's tax‑withholding system by automatically diverting a portion of every paycheck into retirement and investment accounts before the money ever reaches a checking account. He explains that money left in checking is typically spent, not because of a character flaw but due to human behavior, and that automating transfers to a 401(k), Roth IRA, or index‑fund account removes the need for willpower or conscious decision‑making. The core message is to set up automatic payroll allocations so wealth builds passively, just as taxes are collected automatically.

Chapters

Build wealth without ever having to think about it. The government figured that out. That's why they take their taxes before it ever touches your check. See, your financial future needs to do the same thing. The moment your paycheck hits, a percentage should go right away to your investments, to your future before you ever touch it. Okay? That's the way it's done. Money that sits in the checking account, it gets spent. That's not a character flaw, that's just what happens. So automated transfer into your 401, into your Roth, into your index fund account for every time you get paid. No thinking, no willpower required at all. Make it automatic.