This post is adapted from YNAB's twice-monthly newsletter, Loose Change . “Just earn more.” This is the hazy solution to a lot of financial worries, the quiet resolution we make to ourselves, the desperate promise we make to our partner in a late-night worry session about money: I’ll just earn more . What this solution has going for it is simplicity; you just have to work hard and wait. There’s cognitive comfort in staying in your groove, not having to consider radical changes to your employment or how you spend. Where the just earn more approach fails is that it doesn’t actually stop you from worrying about money. Telling yourself that you’ll earn more only means that someday you’ll stop worrying about money. But for now? You’re urgently sitting on your hands. Just earn more also depends on dim accounting. When are you getting a raise? How much will it be? And how much more money do you actually need to live without worry? The balloon of confidence loses air with every hard question.…