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Financial Strategy

Stop Minting Pennies: When Your Effort Costs More Than It's Worth

November 13, 2025
Jon D. O'Neil
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Stop Minting Pennies - When effort costs more than it's worth

Did you know the U.S. Mint recently stopped producing pennies because each one cost four cents to make?

That's not just inefficient — it's unsustainable.

Now pause and reflect: how often do we do the same in our own lives?

We invest time, energy, and money into things that look shiny on the surface — but underneath, they're draining us.

That side hustle that never scales.

That investment that promises returns but eats up your peace.

That habit or relationship that costs more than it gives.

We're "minting pennies" — spending four units of effort for one unit of value.

The Good News: You Can Choose to Stop

But here's the good news: just like the Mint, we can choose to stop. 🙌

We can audit our lives, our businesses, our calendars — and ask:

👉 Is this compounding or consuming?

👉 Is this aligned with my purpose or just padding my to-do list?

The Mint's Lesson: Print with Purpose

The Mint doesn't print money on impulse. It responds to real economic demand, inflation, and circulation needs. It prints when the system requires it. Not when it's convenient.

We should do the same.

💼 Invest Wisely

Put effort where it multiplies. Focus on opportunities that compound over time rather than drain your resources.

✂️ Cut Inefficiencies

Stop producing "pennies" in your life. Eliminate activities, investments, or habits that cost more than they return.

🎯 Align with Demand

Focus on opportunities that meet real needs and create lasting value. Don't chase what's convenient—pursue what's meaningful.

Your Legacy Isn't Built by Hustle

Your legacy isn't built by how much you hustle — it's built by how intentionally you direct your energy.

So today, ask yourself:

Where am I spending four to earn one?

And what would happen if I stopped?

Ready to stop minting pennies and start building real wealth?