It’s time to say yes to most things.

Why wobble on decisions?  Why wait to do something later, in the future?  Why over-calculate the cost, time, value, and importance-wasting time??  Why not say Yes, NOW?

Yeses

I’ve had the opportunity to go on multiple trips with my FIRE $lackers friends/family.  Kathy and I joined almost 50 Rock Retirement Club members (and most of my $lackers gang) on a wonderful Alaskan cruise. I also had the opportunity to go to Bali and hang out with 50 FI friends.

I’ve purchased a few things from cars to guitars to a storage shed to make our lives better and more enjoyable.  I’ve watched Kathy sit in first class enjoying the comfort (while I enjoyed sitting in the back and keeping some funds to pay for better expenses on the trip). 

We’ve enabled the freedom to do almost anything we want for this MoJo decade.  It turns out that we aren’t quite able to complete spending the target/allowable amount most months.  Yet, the knowing that we can is amazing.  Deferring spending was pretty great.

I’ve given more and more of my Playcheck to people/causes that I believe are worthy.  These are things that are worthy enough for the allocation of my money to something other than me and my personal playcheck spending requirements (Health, Fitness, FIRE lifestyle, Tech).  As you can see from my deliberate planning goals, I plan, organize, and think through almost EVERYTHING.  Hence, the need to just go for it once in a while—say Yes.

Intent

I’ve frequently heard the wise ones around me say “It’s either hell yes or no.”  I get it.  That forces you to prioritize the amazing stuff that you really want to do.  But it’s also possible that being greedy or overly cautious with allocating our time causes us to miss something that may be delightful (that’s definitely not a Kevin word). 

So, do we attempt to live by the powerful Hell Yes or No, or do we embrace the ability (in FIRE) to just say “Yes” more often and jump into the adventures/activities that life will allow us?

Outcomes

True, some of the activities may turn out to be duds or worse, but many may turn out to be wonderful and possibly set up future activities or even better; friendships.  I see over and over how relationships are one of the five core values for a better life.  Maybe saying “yes” will enhance the relationship variable.  It may even enhance the active lifestyle variable.

Bali was a “yes” that I said without any consideration for expense, time, or life phase.  I had friends heading over in Sept so the January before I jumped right in, 9 months early, no regrets.  It’s true there was some concern over the 24 hours of travel each way, but it is what it is.  I was way too cheap to spend the extra $6000 for business class lie-flat seats (even though I should have) and instead purchased what seemed to be a good alternative in Premium Economy, the same as we used for France in 2014.  This year’s FI Freedom Retreat in Bali event sold out in 2 ½ hours! 

Reflection

Is this trip a good way to use my QTR?  I can’t think of negatives, nor can I count all the positives.

Are there other intentional decisions I should be making to better my life, absolutely.  It’s an ongoing process of improvement, or attempted bettering.

So, is “hell yes” the goal, or is being intentional with your time and energy?  Hell Yes.

*** Nothing in this article is to be construed as financial advice.  I am not a financial planner, nor do I pretend to be.  You should always consult your own professional when seeking advice. This post is not a piece of literary mastery, just a random thought I had.

This is one of those “should I mow my own lawn for an hour every two weeks or is my time worth more than that” post.  That mowing question is similar to my original thought but probably fewer overall hours per month than what I’m thinking about—at least for most people.

Incremental Saving

I feel as though I’ve moved away from the general FI journey community’s position based on multiple fairly recent podcasts discussing strategies like turning off netflix or Disney for a month, and turning your heat down and wearing sweaters.  I’m not saying that saving money is wrong.  I’m not saying that taking the 5 minutes to suspend service is wrong.  I just feel like this is a very personal journey and such an extremely minor target of saving $10-15 per month may not move the overall balance.  Though, yes, multiple saving categories over time do add up.

Time Thieves

Yet there is a concept I wonder about often—time-thieving ads on streaming services. 

When you want to watch something on your TV (old people) or your device (young people) how do you feel about in-show ads?

If I want to watch a show that has 45 minutes of content (netflix, curiosity stream, MasterClass, Wondrium, Amazon Prime video), I don’t want 10-15 minutes of ads wasting my time every single relaxing hour. 

I have owned a DVR for our satellite service since Microsoft Ultimate TV in 2001.  To me, the ability to reclaim an hour of time from a lazy 4-hour TV viewing session (or hockey game) was worth far more than the $10/mo service fee. 

I think about streaming services that have “premium” no-ads pricing for an additional $3-10/mo (think Amazon Prime, Netflix, Paramount+, Peacock, etc).  Even if I only watch 5 nights of video from any of those per month, I’m saving 3-4-5 hours per month of my time.  To me, that is well worth $10/mo.

Monthly Plan

I should be clear, yes, I do subscribe to Peacock+ premium just for July then turn it off at the end of the month.  I often subscribe to Paramount+ in Nov/Dec when Amazon has their $2/mo special.  I just turned off my AppleOne family plan which went from $30 to $42/mo removing AppleTV+, AppleNews, etc.  I will turn on AppleTV for one month, maybe twice per year, but not to save money exactly, but rather to lessen my frustration when there’s “nothing to watch” on the service.  I swear, I spend 30+ minutes per night looking at the little rectangles of shows, not finding anything, even though I have “my playlists” set up everywhere.  What?!

My main thought is, that I pay for no ads when I have a streaming service so I can avoid wasted (commercial) time and frustration. 

I also pay for Global Entry, TSA PreCheck, Walmart+ delivery, extra legroom on some flights, and some other time-saving/life-enhancing programs.  We NEVER get more time once it has passed.

Learn

Each night when we watch TV we often try to make sure we “learn something.”  (The worst ads are when watching YouTube while on the spinning bike and their stupid commercial interruptions (bam $25/mo spent on sanity—and often better videos/shows than other services).  Learning while exercising seems like habit-stacking.

Included for Free

I am aware that some services and subscriptions have bundles that include “free” services.  Our Walmart+ delivery service comes with paramount+ ad version, which is almost useless, or at least commercially frustrating to me so I don’t use it.  I could upgrade for $60 to the no-ads plan, but that requires a year of commitment.  I’d rather pay $15-20 for one month (or a $2 Amazon Prime deal) and be in/out—done.

Wasting Away?

This seems like a dumb post, but are you wasting your life/time with ads, just interruptions, and not allocating your money to what you enjoy the most (definitely not commercials—not even super bowl commercials for me)?

I love the concept of using your money to add what you love, and using your money to remove what you dislike.  That is one power of “wealth.”  The power to better your life.  That’s just my random thought from my LifeInFIRE.

*** Nothing in this article is to be construed as financial advice.  I am not a financial planner, nor do I pretend to be.  You should always consult your own professional when seeking advice. This post is not a piece of literary mastery, just a random thought I had.

What is a misfit?  Oxford dictionary: “something that does not fit or that fits badly.”

That seems to describe me in so many ways, but that’s not exactly what I’m thinking as I type this.  Instead, I’m thinking about how something changes and now there’s an issue, a problem, or some would say “a possibility?”

Apple MacBook

My wife’s (older) Macbook Air’s power adapter (magsafe connector) was getting a little wonky and not charging every time it was connected.  We did have another magsafe (ver2) adapter that we could use for both of those older macbooks.  Sharing is not my favorite thing, so I pulled out some older macbook magsafe power adapters and not surprisingly they did not fit the new macbooks.  The older macbooks used magsafe 1 connectors.

At this point, any cautionary person would check Amazon/eBay for a magsafe 2 replacement charger for $65.  I did 30 seconds of searching and found a $9 magsafe 1 to 2 adapter.  Move some connection pins around and let the energy flow, I thought.  The next day my little power magic device arrived and worked great with two old chargers.  Apple did not (fully) screw us over with their proprietary connectors this time.

Apple, yes again

I think back on our new ipads which are USB-C and how I didn’t want to buy all new cords, but purchase just a few.  I looked up lightning to USB-C adapters and found a 4-pack for $6.  The following day I received them and tested them successfully.  Now in some strategic locations (desk, car, nightstand, etc) I have these little adapters or the 6” dongle version.

There are so many things in my life that misfit due to company/tech/historical changes.  I usually strategize a way to fit the pieces together to simplify or prevent a future issue. 

Mach1

Here’s a strange example.  The 69 Mach1 came with an Autolite battery.  These are long since out of production, but a company makes a $300 replica.  We bought one so the Mach1 stayed pretty original.  The battery sucked and lasted a little over a year.  Turns out many people have this replica problem.

I ended up buying a battery cover that looks like the Autolite but covers a standard (3-year type) battery.  From a glance, it looks like it is supposed to.  If you look close on the side you can tell it’s a cover, which shows the owner cares about originality at some level.  Note: I will not let Kathy nerd out and swap the good battery for the “show” Autolite battery at a car show…just to swap them at the end of the day to come home.  …Some people.

Me again

I am usually the strange—out of the ordinary—person in the group.  I never seem to have the same interests, thoughts, or desires as those around me.  Sometimes, I think it’s because I was an only child who did my own thing most of the time.  I grew up in a smallish town and it was usually cold so I just did my own thing.  We didn’t really go outside and hang out in the neighborhood much of the year. 

Then again, I could just be an oddball in general.  That’s probably the root cause and no need to analyze me in any more detail.  I didn’t fit in “badly,” just not an easy pop-in component.

Because I have always thought differently, maybe that’s why I see a glitch in the system/process and wonder if I can resolve that to make my life easier.

Perfectionless

My favorite saying is “everything has a ding.”  That removed the stress of perfect-looking items.  That is a go-with-the-flow perspective.  It makes problems a little easier to deal with.  It makes it so not every issue must be repaired/resolved to perfect.

I don’t think I have any DNA that requires me to have perfect—show the Joneses—my great stuff/life.  I just do what I want and try not to impact other people negatively.

Even with the—now named—Jones generation growing up ahead of me, I just never matched the desires of others.   

My brain—and actions—work differently.  Once I cracked the process of getting A’s in college, I didn’t strive for perfection, 100%, but rather 91%.  I knew that my 91% grade would give me the same GPA as the student who worked their ass off to get 100% for the semester.  In my mind, I retained approximately 9% of my effort to use for myself, rather than the professor—with the same paper grade outcome. 

Insightful Effort

I will say, I did not use that strategy for my working career.  For my working career, I concentrated on serving my customers and making sure my boss didn’t have to worry about my work, actions, or deliverables.  I kept my boss informed of the good and any issues so that they wouldn’t be blindsided by their boss or anyone else.  Take care of your boss(es).  That’s who I was working for.

Proactive

Note: I do love having the right cables for whatever comes up.  I also like having different adapters from lightning, micro, USB-C, etc so I can put together the connection I need at any given time.  Another part of the personality quirk is that I am the person who keeps a proactive inventory of items “just in case.”  I have a few bins of “spare stuff” that I won’t get rid of for quite a while.  I’m not a hoarder, but sometimes it feels like a few too many bins in the garage.

Find your BEST fit, whatever it may be.

*** Nothing in this article is to be construed as financial advice.  I am not a financial planner, nor do I pretend to be.  You should always consult your own professional when seeking advice. This post is not a piece of literary mastery, just a random thought I had.

Do you ever think about responsibility?  I was thinking about mental health issues everywhere and all the social media blaming.  I was wondering if our society has shifted the responsibility of one’s thoughts and actions to another party.  (why is it is a “party?”)

In another time, long ago, when I was growing up, I learned to be responsible for myself.  I came home from school and took care of myself for a few hours.  I knew if I went outside in winter that it was my responsibility not to freeze or die from being stupid.  I knew my role in school was to complete the assigned tasks to move along in the system—there was no “please help me, I need extra credit to catch up.”

As I moved into older ages, I learned to manage my income.  I understood that included the govt taking a chunk to fund themselves—I mean our society.  It took me longer to understand my health responsibility to myself to lose weight and gain fitness.

I was reading an article complaining about whatever and promoted the desire to banish scarcity.  I’m not linking to this nonsense article.

Responsibility

This article made me think about who is responsible for actions.

It made me think about the news and the battles over politics.  It made me think about candidates and parties.  I thought about govt funding and how it differs from my process of not spending the income that comes in.  In adolescence, I learned the simple equation of cash flow on/out.

I really started to think about “policy” and “programs.”  Who is responsible for bettering one’s self?  Who is responsible for gaining knowledge, skills, and abilities?  Is that something a govt department manages to hand out my earnings to people?  I understand helping with base/core requirements and crises is important.  But, where is the bottom line?  When does the outflow get its amount allocation?  It seems to be based on public desire/perception.  Then pork barrel funding is hidden in the details…TLDR for sure.

Protection vs Comparison.

I think back to the article and how humans are programmed since cave people to acquire and hoard for sustainability…and somehow we now compare ourselves to neighbors and their shiny new car or what others have on TV shows???  It goes on to explain how social media scrolling ruins our psyche.  Is social media a comparison checklist of Instagram amazingness?  Is none of this self-inflicted?

Reward

What is a reward vs a life need?  Of course, we should have rewards.  Maybe the reward goal should be internal more than social media externally driven.  Maybe the rewards should include some delayed gratification to validate the true desire and optimize the exactness of the purchase/spend.

Control

Yes, I know there are a lot of problems, concerns, and inequality in the country and world.  I’m just thinking that the self-ownership of a lifetime of small decisions toward improvement can make a massive difference as time goes on.  I don’t understand how all of these “we need a policy” statements or worse a “program” is going to resolve this.  So many look to others to solve the problems, and I’m pretty sure the others- (in this case the govt—who seem to look out for themselves first and reelection seconds, and their constituents third) aren’t really out to solve your specific problem, even is it is this newly created “safe-space” country we’re moving into.

Leaders?

I think about the term “policy-makers” and what I recently realized *BAM* “law-makers.”  Our elected govt official seems like their main task as “law-makers” is to make laws.  Create new laws, more and more and more new laws every session, every year. 

What if we had new terminology: “elections for lawmakers?”  Not elections.”  Not “elections of political parties.”  Shouldn’t it be elections for “representatives,” which I believe was the initial goal of this country’s government?  People served their communities and went back to their lives.  They weren’t career politicians.  I don’t know about being power-hungry.

Policy, Policy, Policy

I just think the phrase “we need a policy” gets under my skin.  I’d personally rather hear “we need responsibility” which should include fair opportunities to better ourselves.  Oh, but that takes effort, often a LOT of effort.

I should end by stating that I’ve made plenty of mistakes.  But, I truly believe in 99% of my actions, I give intentional thought to the task, its predecessors, and its probable outcomes.  But, I know I think too much, too often.  I may be, and I have been—wrong.

*** Nothing in this article is to be construed as financial advice.  I am not a financial planner, nor do I pretend to be.  You should always consult your own professional when seeking advice. This post is not a piece of literary mastery, just a random thought I had.

One of my (internal) superpowers is that I don’t really care what other people think when they choose to judge.  I don’t spend any time wondering what people think about me or others.  To be clear, I’m not a bad person and I do not try to cause harm to anyone, but rather I have a history of helping others. 

I’m just saying that I don’t stop and think about what others are thinking about me, my items, or my lifestyle.  That power seems to free me of many of the mental health traps that seem to be plaguing our social media existence—and even before the apps took hold of our happiness.

Joneses

When I look back, I have never considered the need to keep up with the Joneses.  It could be that I don’t even know anyone named Jones.  Similarly, I don’t look at what other people have, and therefore, never think “I wish I had that.”

Yes, there are times when I see something and I think “That would be cool” and I should try that.  That’s no different from reading a book or article and trying to incorporate “better” into my life.

Admiration

I think about the difference between admiration and envy.  I can admire successful, talented people and what they’ve accomplished and acquired.  I can even envy their knowledge and abilities, but I don’t ever seem to have jealousy or contentment for them.

Instagram

When I was in and returned from Bali I became fully aware of the Instagramable photos people post showing their amazingness.  That’s fine, and that works for them.  I only the other hand would be more interested in posting a picture of the scooter crazyiness or the abundance of the fresh fruit drinks I was consuming.  Two very un-instagramable sharings.

Loving Life

Are you able to spend your days, your thoughts, and your life energy on what you love?  Are you able to find enjoyment and greatness in your hours, days, and weeks?  Do your health and fitness efforts provide you joy?

I have to believe that a large part of my (your?) joy has nothing to do with the thoughts of those around you.  Worse, if you are successful, your accomplishments may be resented (bad envy) by others—then they may try and bring you down.  Don’t let others try and take—or override—your joy.

Do you live your inner happiness?

When did I get all mushy?  (To be honest, my post is more of a “get off my lawn” post)

*** Nothing in this article is to be construed as financial advice.  I am not a financial planner, nor do I pretend to be.  You should always consult your own professional when seeking advice. This post is not a piece of literary mastery, just a random thought I had.

Where are we?  Where are we headed?  Are we there yet?

In the space I hang, many money-wise people are planning a great future—and hopefully living a great today while knowing they’re on track for an AMAZING future.

It seems that the foundation—or dogmatic guiding—principle of FI is the 4% RULE.  If you lightened up a little, it may be considered the 4% rule of thumb.  To me, a 4% withdrawal rate is just a guide to get closer to the starting point.  But then, I’m pretty risk-averse.

Compass

Maybe 4% is a great guide to give someone a general direction that they’re heading, similar to a compass heading—north is north.  Realistically, you could be anywhere on the planet but heading in the correct 4% direction.  There are so many paths to take once you are FI.  The route/destination ahead of you may not be clearly defined, so a general direction may be lacking a highly successful ending point.

GPS Navigation

After nearly a decade beyond my career, while living a LifeInFIRE, I wonder if a retirement GPS+map-route with step-by-step directions will show a clearer ending location.  A GPS will show exactly where I’m at (I love being a blue dot on “the blue planet”) and if combined with some computer programming, I can see a detailed route—or multiple routes—to attempt to reach the destination I choose.

Which to use?

Do you need a general direction guide or a detailed step-by-step guide?  This decision is probably based on either your stage of gathering assets or your personality and desire to dig deep into the details.

The risk of your FIRE going off the rails with a long 40-50+ year post-career life could be drastically increased with a set-it-and-forget-it rule of thumb based on historical data.  It is also possible that your end or plan would prove you left TONS of money on the table (in your accounts) that you could have used to make life/lives better.  Of course, it’s too hard to tell in year one.  It’s important to monitor everything (you can think of) along the way.

When possible, make a U-Turn

If you design a plan of spending for your future and the target for your end-of-plan balances, then you should check in along the way.  When traveling to new places, it’s often my GPS lady tells me “When possible, make a U-turn.” 

It’s important to monitor how your cash flow, account balances, and assets are holding up.  I believe the goal is to fund your lifestyle and desires.  Spending, Sharing, Giving, etc.

Choices

If you have a destination in mind, using today’s tools, would you just use a compass, or would you use a turn-by-turn GPS…or are you a paper map person?  

Side note: I used to call the GPS a “marriage-saver” when we were on vacation in a new city.  So many heated discussions over the paper map from the car rental counter…  I don’t want to have those stressful discussions about retirement funding.

*** Nothing in this article is to be construed as financial advice.  I am not a financial planner, nor do I pretend to be.  You should always consult your own professional when seeking advice. This post is not a piece of literary mastery, just a random thought I had.

I was reading about wealth in a retirement book and it mentioned FIRE.  It mentioned FIRE, I believe, in the sense of saving all your money early and young, then leaving work in your 30s.  This is the media story portrayal of FIRE.

I’ve said many times that Early Retirement to me is someone who can retire before they hit their 60s.  Of course, there are different levels of “early.”  I was told the other day that I “retired as a child.”  I didn’t take offense to that because I’m 3h, but I did think about the statement.  Yeah, I was really, really young at 43.  I thought I was at least a full decade into my wisdom level at that point…boy, there was—and still is—a lot to learn

I do think the focus of FIRE being on the Financial Independence portion of the acronym makes total sense.  FI allows FREEDOM.  FI gives you options.  FI makes life easier.  FI really does lead to FU money and the power of someone setting their own direction in life.

My question for this post asks, simply, Does FI equal Wealthy?

Having enough financial resources to be independent of producing more income for spending/savings is probably the true meaning of FI.  But, is that same FI household—wealthy?

It depends…  What does someone define wealthy as? 

Wealth: – plentiful supplies of a particular resource.    “Wealth is the ability to fully experience life.”

In terms of money, maybe that household has enough wealth to provide for their—and others—lives.  Is their money level wealthy compared to the top-ranking Forbes richest?  Nope.  Is this household’s financial wealth equivalent to the richest neighborhoods in town?  That’s an interesting question.  Maybe they are compared to some of those households but not others.  A FI household in the US is most certainly wealthier than over half of the world’s population, but a dollar isn’t the same as a rupee or rupiah.

In terms of time and opportunity, I would say absolutely yes, FI is wealthy.  The most important units on earth seem to be health and time.  Some books that talk all about health span and lifespan.

Since my priorities start with Health, Happiness, and Helping, it’s invaluable to have all my time to allocate as I choose.

Stealth Wealth

Most of society lives with the visibility of showing what they “own.”  Or, probably more accurately stated—what they owe on.  People follow the spending/showing activities of those around them or in modern times—the spending patterns of those on social media.  There is no regard to income determining spending ability.  The Joneses are now virtual.

The mentality seems to be “look what I have…the same as others.”  To me, the very most ironic symbol of this status is nike shoes.  Showing your success through leather and rubber for your feet makes no sense to me at all.

I believe the #1 value of wealth is time ownership.  Hopefully closely tied to that is health.  How do you show time wealth?  Is it being able to run errands Monday – Friday from 9am – 3pm?  Why are there so many other people out at that same time?  How can that be?  Shouldn’t those other people be working?

I get the sense that all of this avoidance/anger/boycotting of back-to-the-office ties directly to the sense of wonderful that being at home and not in the office entails.

Stealth Wealth is a wonderful topic so well detailed in The Millionaire Next Door book series.

Independence

Maybe the true goal of this post is tied to the concept of Independence?  Don’t we all want to feel independent and empowered?

*** Nothing in this article is to be construed as financial advice.  I am not a financial planner, nor do I pretend to be.  You should always consult your own professional when seeking advice. This post is not a piece of literary mastery, just a random thought I had.

I think I’ve fine-tuned a previous thought. 

I hear non-stop all these people saying FIRE is bad and “retiring” should not be the goal and it probably isn’t good for you, blah, blah, blah.

Let me tell you what’s not the best for someone; going to work every day and giving away the majority of your life’s time and energy just to earn capital that you can give to someone else for goods/services—many of which most of us may not need.

I’m not talking about  Jacob Lund Fisker-Early Retirement Extreme level of repairing one’s shoelaces or whatever level he employs/employed to live off of $7000 per year.  I’m just talking about working/grinding to be a cog in the machine of capitalism.  I think Jacob is living the way he wants.  That’s perfect.  I do believe he’s changed his living/spending structure over time as well—that makes sense as your change.

So much talk from all these people about “purpose” and “goals.”  What if someone has goals that aren’t related to saving our 25,000 mile circumference planet?  Like any effort I put into that will make a grain of sand difference.  (though I do my own little things to help just in case)

Whoa, that all sounds so negative.  It’s not me being negative, it’s people pushing their grandeur purpose towards others. 

It comes as no surprise to me that my priorities are all three very internally focused.  I’m an only child.  I grew up in Alaska where you were most often required to take care of yourself.  People tend to be somewhat self-sufficient.  Just leaving the house for a majority of the year could result in death if you didn’t plan well.  I have the feeling freezing to death, or animal attacks would be horrible.

When I think about my priorities—not purpose—I seem to stick with three overarching areas of focus: Health, Happiness, and Helping.

Health Thinking

I understand our time on this planet is limited.  I understand that our ability to use this time in the manner we chose is also limited.  My thoughts are to keep my body fit and hopefully healthy so I can enjoy doing the activities I chose.

Happiness Thinking

I believe an optimal state of being should entail a high enough level of happiness.  While I believe a sickly person can be happy, I feel it is easier for me to maintain more happiness while I feel healthy and fit.

Helping Thinking

I believe in using my knowledge, skills, and abilities to help others as I can.  This always depends on my schetchle but I do take time to help make other’s lives better when I can.  This helping focus definitely starts with my family and friends, but often extends to others I know, or who contact me for help.

I find it’s easier to help people when I’m in a happy mode.  It is also easier to help people when I am in a healthy mode. 

If I were a graphics person, I think this could be a pyramid (of effort and/or time).  A base of Health, a middle of Happy, and a top of Helping.  Come to think of it, that is how I structure my time allocation and focus.

Are “priorities” the same as “purpose?”  Does it matter?  Does it matter what someone chooses to do with their time and energy, and money?  It certainly does to them.  I don’t think someone else’s desire for everyone to have purpose or passions (or any other OPINIONS) should be pressed onto others, especially onto me.

$lackers rule!

*** Nothing in this article is to be construed as financial advice.  I am not a financial planner, nor do I pretend to be.  You should always consult your own professional when seeking advice. This post is not a piece of literary mastery, just a random thought I had.

What is money for? 

Why do we save our money?  Is the deference of spending vital to any part of our life?

I made it a point to search out answers to these questions…no, I didn’t!  I just wonder sometimes, what do I want/want to do?

I’ve come up with thrEEE answers: 

Easier, Enjoyment, Energy

I do maintain a Do Not Forget List.  It’s not a ToDo List.  Interestingly, I find the act of keeping track of “things” is almost as good as the purchase, yet the list does not help with the “doing” activities.  I need to get my ass in motion a little more, not exercising motion, but explorative motion.

Lately, I’ve given much more thought to how my money (the “army of dollar bills that march off to work each day”) should serve (I accidentally typed “service”—perfectly applicable) me. 

I’m a thinker.  Not some change-the-world-with-my-brilliance thinker, but I wonder a lot.  I wanted to set a direction for my money.  Give our money a Mission Statement, or at least a motto.  At the moment, it now has thrEEE goals to achieve.

Easier

Why not use your money to make things in your life easier?  For instance, correct tools/technology to help with different tasks.  Here’s an example we don’t think about until it breaks.  The use of my microwave for food prep comes to mind—even though some would same it uses bad “energy,” I find the microwave oven to service two important functions—make my life easier and I eat sooner/saving time.  To heat canned soup I don’t need a pot or a hot stove that warms the kitchen and causes my AC to run more—saves money too.  

Here’s a strange one, using a smart programmable remote control.  I no longer have to search for the exact device clicker.  I can also program macros to turn on/off everything at once.  Want to talk about easier, I don’t have to get off the couch to change channels or power the device like in the old days.

Here is a similar idea using your money for things you don’t like doing.  Some people hate house cleaning or yard cleaning. 

Some people don’t want to go to the grocery store.  I’d rather pay $8/month and have Walmart pick my groceries and bring them to my house.  That saves me 30 min of driving, 30 minutes of shopping in a crowd, and possibly avoiding some crap I would have purchased and eaten.  Seriously, eight dollars for approximately 2 hours per month of basic food stocking time savings!  Plus, that $8 also has additional services and features. 

We also share the Walmart service with my mom so there are closer to six deliveries per month and it allows me to keep my mom stocked with food even if I’m out of town.  TOTALLY makes my life easier.

Mark Trautman and I are working on our FUnbUCKET spending—pushing each other to spend some of our savings for good.  Mark also pushed me to make the monthly bill-paying process EASIER and allow automation so I didn’t use (waste) 60-90 minutes on the 1^st of the month to push my bill payments.  He was 100% correct on removing that task from my list (technically what would definitely be a do not forget item).

I can give examples of Amazon Prime, streaming video services, retirement/financial planning, Rock Retirement Club, auto bill pay, security cameras with cloud storage, etc.  Re-reading this, I see how my examples are really small….much like my little life.

Enjoyment

The thought of using deferred spending to bring enjoyment, excitement, and fun into your life is a fantastic goal. 

I’ve written about my surprise enjoyment of Kathy’s Peloton bike.  I’ve found enjoyment in the upgraded Peloton membership required for the bike, even with the increase from $13 to $44 for all the additional content.

I recently spent a huge $500 for a much nicer guitar than I’m used to and then realized that it sounds and plays so much better than the $200-300 guitars.  Bashing away sounds so much more metal with my goth explorer.

I purchased my first new vehicle because I wanted current safety features and protection.  I honestly get enjoyment when I drive my wife’s Venza because I know I spent wisely (in many ways) and it’s almost like driving a spaceship (sounds like it) compared to my 2000 truck and 2001 suv which I still drive most of the time.  It also falls in the “easier” category for lane-keeping, adaptive cruise control, and iphone controls, etc.

Here’s a random item, I bought new exercise socks that have thicker soles.  These are so nice when I spin since I stand so much doing Kathy’s drop saddle spinning style.  Less pounding on my old(er) feet…same when I run with them.  These were a wonderful $6 for 6 pairs purchase that I didn’t really need.  Yeah, my life is strange.

Energy

Deeper than the enjoyment from above, I want to use the money for things that bring me—or increase—my energy.

At your very core, you have things that give you the purest of enjoyment and light you up.  You have things that if denied are not enriching your soul, your basis of energy. 

Do you have a way to use your money to energize your soul?

I bring this “E” back around to using your money to fund or enable some of your Top 10 Favorite Things.  I don’t need to say much more, but if you have the 10 things that make your soul happy, shouldn’t that be a great place to put some of your resources…both time and money.

Action

Go gEEEt it !!!

*** Nothing in this article is to be construed as financial advice.  I am not a financial planner, nor do I pretend to be.  You should always consult your own professional when seeking advice. This post is not a piece of literary mastery, just a random thought I had.