Tag Archives: inspiration

“I Want You to WANT to Save!”

credit: Alice Pasqual (Unsplash)

credit: Alice Pasqual (Unsplash)


In the 2006 movie The Break-Up, there is a funny sequence where the Vince Vaughn character and the Jennifer Aniston character get into a huge fight. It’s pretty relatable for many couples who have dealt with similar circumstances.

So let me set the scene: After a dinner party with friends, Jennifer Aniston’s character (Brooke) wants to do the dishes. Vince Vaugh’s character (Gary) is playing Grand Theft Auto.

B: Well, I’m gonna go do the dishes.

G: Cool.

B: It’d be nice if you helped me.

G: No problem. A little bit later. I’m just gonna hit the streets here for a little bit (playing GTA).

B: Gary, come on, I don’t want to do them later. Let’s just do them now. It’ll take 15 minutes.

G: Honey, I am so exhausted. I just honestly want to relax for a little bit. If I could just sit here, let my food digest, and just try to enjoy the quiet for a little bit. Get some! Get some! Get some! (beating people with a club on GTA) That’s what happens. And we will…you know, we can clean the dishes tomorrow.

B: Gary, you know I don’t like waking up to a dirty kitchen.

G: Who cares?

B: I care! All right? I care! I busted my ass all day cleaning this house and then cooking that meal. And I worked today. It would be nice if you said thank you and helped me with the dishes.

G: Fine. I’ll help you do the damn dishes. (throwing his game controller down)

B: Oh, come on. You know what? No. See? That’s not what I want.

G: You just said that you want me to help you do the dishes.

B: I want you to want to do the dishes.

G: Why would I want to do dishes? Why?

B: See, that’s my whole point.

G: Let me see if I’m following this, okay? Are you telling me that you’re upset because I don’t have a strong desire to clean dishes?

B: No. I’m upset because you don’t have a strong desire to offer to do the dishes.

G: I just did.

B: After I asked you!

(Check out a clip of the scene here if you’re interested)

I’m a bit of a weirdo I guess because I really don’t mind doing dishes all that much and that’s with NO DISHWASHER! I’m no saint though because doing the dishes probably means I get out of doing some other chore I hate more!

Obviously no one really likes to do the dirty work, the grunt work, the menial tasks like washing the dishes. But it’s not really about doing dishes. It’s about sharing the household chores in a marriage and loving your spouse so you don’t want them to have to do these menial tasks all by themselves. Sure, everyone has those sweep-you-off-your-feet moments where you write a romantic poem for your wife. You bring her home fresh flowers when she’s feeling down. But no one really things of doing the menial tasks like washing dishes, cooking dinner or cleaning the bathroom as ROMANCE. These are thankless jobs. However, if you’re like me and your “love language” is “Acts of Service” then you probably feel loved when your spouse does these tasks so you don’t have to. Many people will profess their love for their significant other, but are they willing to do the little things to strengthen that relationship?

What does this have to do with Money?

Similar to the above example, a lot of people read exciting headlines about those who paid off a ton of debt in a short period of time, people who retired extremely early, or people who started a blog, making tons of money. A lot of people also make these their goals. Who wouldn’t want to attain these goals? But how many people want to do the dirty work to get there?

When it comes to paying off a ton of debt or saving up enough money to retire extremely early, you’ve got to save a lot of money. But who really wants to save? Who enjoys saving?

Who wants to cook their own meals rather than having something cook it for them?

Who wants to forego that Starbucks venti iced mocha latte?

Who gets joy out of watching their bank and investment account grow rather than spending your paycheck on new shoes or new iPhone X?

Who actually wants to set up a meeting with their spouse to discuss finances and to set up a budget?

When it comes to starting a business, who wants to sit down and actually do research on that industry and to write up a business plan?

For those aspiring money making bloggers, do you like learning about SEO and how to do stuff on Pinterest? (Oh boy, I don’t even know the proper terminology for that!?)

Once again, I am a weirdo, a financial weirdo, and so are some others in the personal finance world. We get great enjoyment pulling up our portfolio seeing how it has grown. Some people look forward to having a financial meeting with their spouse. Some even say that Budgets are Sexy!

That’s not the majority of the people though. Most people have these grand plans and goals, but how many follow through and actually put their plans into action. How many even take the first step towards that goal? It’s not a surprise that the majority of people’s New Year’s resolutions fail by February. Don’t tell me your grand plans and goals. Show me what you are doing right now to achieve them!

Behind every person who killed their debt, who achieved FIRE, or started a successful business is a trail of hard-work, discipline, and sacrifice. The goal is exciting and sexy, but the work that is required to get there, often is not. But if you truly want to attain that goal, you’ve got to do the unglamorous dirty work. If you are just all talk and no action, then don’t complain when you haven’t achieve those goals. Now go out there and start taking action. And don’t forget to help your spouse with the dishes!

What are your goals and what are you doing right now to achieve them?

What Would Your Younger Self Say to Your Present Self?

credit: Unsplash

credit: Unsplash

“Waking up to who you are requires letting go of who you imagine yourself to be.” – Alan Watts

I’ve read many posts asking what advice you would give your younger self if you could go back in time. When it comes to personal finance, many people might tell their younger self to not live above their means, to not try and keep up with the Joneses, or to start investing earlier. And of course, there will be people who say they would tell their younger self to invest in Google! Your present self is older and wiser, learning much from experiences that your younger self has yet to go through. It makes sense that we would love to go back in time to impart advice to our younger selves to save him or her from making the same mistakes that we did.

In one of the comments from an article asking what you advice you would give your younger self, one person said that it wouldn’t matter what advice he would have given because his younger self wouldn’t have followed it anyway. He said that sometimes you have to experience those failures or mistakes to truly learn from them. In an interview, Tony Robbins said that he would not change anything about his past, even after sharing his experiences growing up where his mother physically abused him. He said those experiences shaped how he is today and he wouldn’t be where he is if he changed the past.

I think those, “What advice would you give your younger self” articles are fun to read. While there is obviously no time machine so you can’t go back and give advice to your younger self, a younger person reading your experience would hopefully learn from your own mistakes and hopefully avoid making them. Thinking about this question, I started to ponder the reverse of this question. What would your younger self say to your present self? I thought it would be an interesting question to ask. And a question that only you could really answer as only you truly know your past self and your present self.

Your younger self was probably not as wise and experienced so it would be tough to ask him or her for advice. But your younger self was probably more ambitious, naïve, more of a dreamer, idealistic and less cynical than your present self. Would your younger self be excited about what you’ve done with your life or would your younger self be disappointed that you didn’t fulfill the dreams you had when you were younger?

Thinking back to when I was in high school and college and trying to put myself into the shoes of the younger Mr. Living Rich Cheaply, I think overall my younger self would be proud of where I am now. My younger self always thought that at this age I’d be married with two kids and working as an attorney. So I have crossed those expectations off the checklist. I was a frugal person even when I was younger so I wouldn’t have been too surprised that I am still living below my means.

However, I’d be lying if I said that my younger self wouldn’t also be a little disappointed as well. My younger self may have been the type to live below his means, but he always thought my older self would have BIGGER means to live within! I’m pretty sure my younger self would have expected that my older self would own a house, especially with a family of 4, rather than in an apartment that is about 800 square feet. Sorry, younger self…housing is expensive in NYC! Also, while my younger self thought that I would become an attorney in the future, I probably pictured one in a prestigious position or one who was helping to change the world. Hey, I was young and idealistic, okay! I’m pretty sure I didn’t imagine that I’d be working in a back office, mostly writing and doing research. Not to say I dislike my job. It’s okay and I enjoy parts of it, but I’m sure my younger self wouldn’t be daydreaming about it.

What would your younger self think about how your present self is doing in life?