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March 2018



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Money; "just don't let it become 'how' the rest of your dreams will come true."

This Note From The Universe has been particularly helpful lately.
"Really and truly, Sheherazahde, money just isn't that important.

Now, before you have a conniption, by all means pursue it, spend it, and roll around in it, but just don't let it become "how" the rest of your dreams will come true.

I know how; you just dream -
The Universe

PS: Yes, Sheherazahde, that's rather easy to say when you're richer than you know who."


Oh-so-true. If "be happy" is the goal, money isn't necessary. (It helps get cool stuff to play with, true.) People have wondered at me for years for living so far under my "income potential" - we're officially lower middle-class, when I'm supposed to be "lower high-class". But as far as I can tell, of all my cousins (who are all richer than you-know-who), I'm the only one that's actually happy. This continues to freak them all out, and they're all mad at me for "not trying" . (To what? Be miserable? Sheesh!)
Hmm... By "living so far under [your] 'income potential'" do they mean not making as much as you can or not spending as much as you can?

I am looking into that book "The Millionaire Next Door" and one of the 7 principles for becoming a millionaire is to spend less than you can. (although two of the other principles seem to be "choose the right profession" and "be lucky" so I'm not sure how useful this book actually is.)
They mean "how can you NOT want an uber-expensive house with THE new car of the year and fabulous diamond jewelry and fantastic trips every other week, and a personal trainer and chef and nanny?" Mind you, they *all* work sixteen-hour plus days to maintain all this and keep the money coming; those that have kids aren't the ones raising them.

So, I guess they don't understand how I can not make as much as I can AND how I can get away with spending so little. (It's not that I don't have expensive tastes; I'm just really selective about what I get. They aren't - or don't appear to be, to my eyes.)

I got a shot at an entry-level job in my field, for $20k more than most, not "using" my degrees, but getting compensated a bit for them. I get to dress comfortably, have insanely flexible hours if I need them (but for eight days a year), a quiet commute (knitting time!), and enough that I can pretty much get whatever I want - I just don't want what my cousins want. I was thrilled with my little yellow Ford Focus (they wouldn't be caught dead in it), like wearing my Frye boots (ditto) and jeans (from K-Mart - if they knew, they'd disown me - oh, wait, they have), don't do makeup, wear my wedding ring for jewelry... you get the idea. "Big fun purchases" are things like "books" and "movie passes".

"Be lucky" is also "be READY". If opportunity knocks, you gotta be ready for it. And you make your own luck. I'd also recommend the "what the heck should I be doing?" exercises at the back of pick-a-year's "What Color is your Parachute?" I did, and it told me that "clerical and/or engineering - discrete tasks with definable ends" would make me happy, so I said "hey, how 'bout being a legal secretary, instead of a lawyer?" and it's totally worked for me. But I had to know to try, and thus, when my present job (been here TEN YEARS now!) presented itself, I knew to jump.

It's fun figuring it all out (NOT), but it's worth it to take the time to do so. And if you're loving what you're doing, you'll probably have enough money to keep doing it.

Some of the people who gave "The Millionaire Next Door" good reviews used to live like that ("new car of the year and fabulous diamond jewelry and fantastic trips every other week") until they lost their cushy jobs and found out that their income wasn't guaranteed.

I guess I'm lucky my parents taught me good values. We never bought the latest clothes, or new cars, or went on expensive vacations. I have never wanted those things.

Unfortunately I have rarely made enough money to afford such luxuries as health insurance, or modest car payments. Sometimes I even give up TV and phone service. And my savings keep getting eaten by periods of under or un-employment.
Agreed. I'm happier now than I was when I had more money.