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Finance and purchasing · Short · 1 February 2026

It’s not an expense, it’s an investment

The difference between an investment and an expense is simple: an investment generates cash; an expense consumes it. Before paying for something, ask yourself what cash it will bring back and when.

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Your actions for this week

  1. Go through your five biggest payments of last quarter and classify each as an investment or an expense.
  2. For your next “investment”, estimate how much cash it will generate and over what period.
  3. Cut or renegotiate one expense that doesn’t generate cash.