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When asked what is the biggest mistake we make in life?
Time is free, but it’s priceless. You can’t own it, but you can use it. You can’t keep it, but you can spend it, and once it’s lost, you can never get it back.
A Buddha
People work 8 hours a day to get 4. Make your free time really count.
As someone who meets with people who are trying to figure out when they can retire and helping them through retirement; I can attest to this quote. Moreso as I’m helping my clients children navigate once they’re gone; I am very sensitive to the time value of money subject.
Normally when financial professionals are calculating the time value of money it is to factor in things like inflation. However, the biggest calculation is the one people rarely seem to do.
Your time on earth is limited.
People’s mental state or lack thereof, puts them in a hamster wheel that they have such a hard time getting out of. They work too long, they don’t enjoy retirement because their health, or partner’s health has deteriorated. They don’t take the trip, they don’t go to the event. They don’t do the things that make you live a fulfilled life and be content.
It is a fact that people live longer when they have guaranteed income that satisfies their monthly living expenses. Stress is literally killing people. It’s not always about money but that is one of the main assailants.
So live below your means so you can do the things you are meant to do. Live below your means so you can retire early, and/or fully enjoy your younger years.
It is not the destination, it truly is the journey.
So go out there and live your best life. You are always one decision away from the life you want to live. So write down your dream life and take steps to achieve it. Today is a new day, and tomorrow is a new day. The things on your list are quiet possibly what is meant to be your destiny. Follow those instincts and not the ones that say watch the news on the couch. That is the scared part of your brain that wants you to numb yourself with fill in the blank (food, work, drugs, alcohol, shopping etc.)
There are a few great ways to get out of a funk/peel a layer off of your proverbial onion/start a new chapter or end an old one/or just to stay balanced:
- Volunteer. Giving back to the community helps you see the world in a light of gratitude.
- Spend time with a close friend. Those heart to hearts can lead to ah-ha moments that will help you move in the right direction
- Exercise. It physically changes the composition of your bodily hormones and helps you relax which is a great way to change your mindset
- Journal. Writing down your feelings helps get them off of your chest and makes room for you to move on instead of getting stuck thinking about them
- Pray. If you’re into that, or not sure, asking your creator to help show you what you are meant to do next is a great way to open up the universe to your energy
- Relax. Pick your favorite way. Mine is painting, or walking. It calms your mind and helps you ease into whatever is next in life!
If you don’t have someone helping you make the best financial decisions, get someone. They will help you stay the path (or find the path) and it will help ease your mind. It’s much easier to work because you want to than to know that you have to.
I think a lot of times we feel like we need something more, but if you are on the right track, why worry about working more, getting a promotion, going to school etc. If you are on the right track, take the vacation, spend time with friends and family. If you are already doing those things and feel guilty for it, getting a plan will help you enjoy those moments instead of using them as a numbing agent. It’s a way different experience when you know you are using your time efficiently.
5Fs 