Richmond DinhCreator & Founder of Tiny Challenges™

Your pricing isn't the real problem..

14 Jul 2026 · 1 min

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Richmond Dinh went $1.2 million underwater on property and couldn't pay $60,000 yearly debt on his $120,000 optometry salary. He chose to build a business instead of declaring bankruptcy. Now earning seven figures, he argues most people's real problem isn't inflation but insufficient income.

Chapters

The problem isn't inflation. The problem is you're not earning enough money. The reality is inflation wouldn't bother you if you were making more money to negate that. I get that some people are struggling week to week and everything's getting expensive, but when I was $1.2 million down in the hole in the property market, I had $60,000 of debt every year that I couldn't service. And the reason why it was a problem for me was because I was only earning $120,000. And I realized there's two ways to get out: to go bankrupt and clear the debt, or just to make more money. And that's what made me get into business, because my optometry income wasn't enough for me to service that debt. And to this day, I still have that debt, but making over 7 figures a year, it doesn't bother me. So your problem is not inflation. Your problem is you're not making enough money.