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Balance Stocks and Flows: Why You Feel Stuck (and How to Fix It)

read on kayodeomotoye.com​

read time 4 minutes

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Let’s talk about something that might be holding you back: the balance between stocks and flows in your life.

Stocks are the things you build over time—like savings, skills, fitness or knowledge.

Flows are the inputs and outputs—how fast things come in or go out, like the money you save each month or the energy you spend every day.

When these are in sync, life feels smooth. Progress happens. But when they’re out of balance, that’s when frustration creeps in.

Let me show you what this looks like and how to fix it.

What Are Stocks and Flows?

Think of your life as a bucket.

The stock is how much water is in the bucket (your reserves).

The flows are the faucet and the drain—how much water is coming in or going out.

If the faucet isn’t flowing fast enough (or the drain is wide open), your bucket won’t fill.

Here’s an example:

You want to grow your career. The stock you’re building is your skill set.

You sign up for a course (flow = input), but you never apply what you learn (flow = no output).

Your stock (skills) doesn’t grow, and your career feels stuck.

Why Imbalances Make You Stuck

When stocks and flows are out of balance, things fall apart.

Your flows are either too slow or you're not feeding your stock:

Example: Saving $50/month for retirement might technically be progress, but it’s so slow it feels like nothing’s happening.

Your flows are too fast and you’re draining your stock faster than you replenish it.

Example: Working long hours without proper rest. You burn out, and your productivity crashes.

Either way, you’re left feeling frustrated. You’re putting in effort but not seeing results.

How to Spot the Imbalance

Here’s how to figure out what’s off:

1. What stocks matter most to you? May be you are not focusing on the right ones? Foe example, spending hours scrolling social media (a useless stock) when you could be building skills that actually matter.
2. Are your flows strong enough to make progress?May be you are not consistently feeding your stock? For example, saving for a trip but only putting aside $10 here and there—too little to make a dent.
3. Are you protecting your stocks? Maybe you are letting your energy, money, or time drain too quickly? Example: Burning through your paycheck on impulse purchases instead of growing your savings.

How to Fix the Balance

The solution is simple: adjust either the stock or the flow.

1. Speed Up the Flows: If you’re not building your stock fast enough, increase the input. If you want to grow your finances? Save a higher percentage or find a side hustle. If you want to improve your fitness? Work out more consistently.
2. Protect the Stock: If you’re losing your reserves too quickly, slow the outflows. If you are feeling burnt out? Set boundaries to conserve your energy. If you are losing money? Audit your spending and cut back.
3. Focus on Leverage: Not all stocks and flows are equal. Find the ones that give you the most bang for your buck. Example: Instead of learning random trivia, focus on mastering a high-value skill and immediately applying it to real projects.

Take a look at your life. Think about one area e.g your finances, health, or even relationships.

Is the stock (what you’ve built) growing?

Are the flows (what you’re doing daily) fast enough to create momentum?

Are you draining resources without realizing it?

Pick one thing to improve. Speed up a flow. Protect a stock. Start small—it doesn’t have to be a full system overhaul.

Over time, these little adjustments compound. Your stocks grow. Your flows create momentum. And you’ll start to feel the progress you’ve been missing.

You’re not stuck. You just need to rebalance the system.

Let’s get to work.

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If this helped you today, don’t keep it to yourself—share it with a friend who could benefit from it too!

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Kayode Omotoye ​

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