Cycling isn’t rising everywhere
Same cost pressure
different outcomes
Where infrastructure removes friction
behaviour shifts
Where it doesn’t
it stalls
open.substack.com/pub/frictionfi…
English
Friction Finance
4 posts
Friction Finance
@FrictionFinance
Explaining why money feels tighter than it should. Real-life cost of living, broken down.
شامل ہوئے Nisan 2026
41 فالونگ0 فالوورز
Most people don’t overspend.
They leak money.
€10 here
€20 there
Until €500 disappears every month.
English
I wrote this out properly
open.substack.com/pub/frictionfi…
English
You don’t have a spending problem.
You have a pressure problem.
Rent went up.
Groceries got unpredictable.
Energy isn’t stable anymore.
That’s why it feels like nothing works.
English