Categories
Financial Freedom

The Fear of Risk

“So when are you going back to work?”

If I had a dollar for every time someone has asked me that question I could live on the money for quite a while. Even my daughter seems puzzled over my decision. Part of that is my fault; in order to blend in I’ve kept quiet about my finances so she doesn’t realize that, at the moment, I am doing okay.

I believe that my friends and family are so concerned because they believe that I am taking a major risk. They believe that I can’t afford to support myself on my royalties and investment income.

They believe that I will have a problem locating a job that paid me as much as I earned at the job I quit.

Eric West wrote a thoughtful piece on the subject of fear entitled You Fear Letting Go Because Humans Suck at Assessing Risk. If you’ve not read it, I highly suggest that you click on the link. Eric used minimalism to achieve his dream of downsizing into an RV so that he could travel full-time with his family. He has an awesome story if you are not familiar with it.

While Eric is focused upon our obsession with material things in his post, the fear of risk is prevalent throughout our society.

We fear needing an item (even if we never use it), so we refuse to throw it away.

We fear new places, so we refuse to relocate.

We even fear failure. This is why so many of us refuse to walk away from our public jobs to pursue freedom.

How to Defeat Fear

One of the best ways to defeat fear is to ask yourself what is the worst that can happen?

That simple question allows you to analyze your fear, to plan ahead for an unpleasant possibility. Bob Knight discussed this process in-depth in his book The Power of Negative Thinking. I believe that his book should be required reading for anyone contemplating a bold decision.

I have taken the advice from his book and applied it to my life several times over the years. I even applied his advice to think through worst-case scenarios as I made the decision to walk away from that job.

What is the worst that can happen in my case?

The absolute worst that can happen is that I will have to get another job.

The funny thing about that worst-case scenario is that any job I take in this area will pay me a higher wage than I received as a manager. Most of the entry-level positions in this area actually start out their workers at a higher price-point than I was earning when I quit. In fact, I received a job offer for a cashier position just yesterday. The pay was $1.00 more an hour than I was earning in my previous job.

That is my worst-case scenario.

What is the worst that could happen if you decided to pursue your dreams? Please share your scenarios in the comments below.

Categories
Personal

Nightmares

I had a frightening dream the other night.

I was the person I used to be back during my marriage. My husband had installed a two-tap sink in the bathroom. I turned on the right spigot and clean water gushed out.

I turned on the left spigot and raw sewage began to spew from it. I jumped back, screaming. I didn’t know what to do. I couldn’t figure out how to stop the flow. I turned the handle to the off position and the flow became even worse. Regardless of which direction I spun the handle, the sewage flow became faster.

I woke up with a slight scream from the nightmare.

Any thoughts on what it could mean?

Categories
Happiness Life self-improvement

What Would You Do Today if You Were Scheduled To Die Tomorrow?

“Life, we learn too late, is in the living, in the tissue of every day and hour.”

Carnegie, Dale. (1948). How to Stop Worrying and Start Living.

Raise your hand if you’ve ever said this: “I can’t wait to achieve….”

We all do this. We spend our present moments focused upon our future in one way or another. We can’t wait to grow up. We can’t wait for the weekend. We count the years until we can take a vacation or retire.

My parents died at 57 and 61, respectively. While I am not a statistician, this made me realize that my personal time on this planet is limited. I may not live long enough to achieve financial freedom again. I may not live until tomorrow even; I could be hit by a truck as I walk to work for all I know.

Many people realize that, like me, they may never achieve their goals. They decide to enjoy life as it comes since nothing is guaranteed aside from our now.

While I may not live to see tomorrow’s sunrise, I live in hope of experiencing many more. While I may not live to achieve financial freedom I choose to live my life as if I will by planning my life and finances accordingly.

Yet I’ve realized that over the past two years I’ve spent the majority of my time working towards that uncertain future. Instead of savoring the life I have today I have kept myself focused upon the steps I want to take to achieve my overall goals. Instead of today, I’ve consistently focused upon my tomorrow, be it my next day off, my next investment, or the next stage of college.

I’ve taken some time off to consider what I really want in my life, focusing on the areas that don’t require money. I asked myself: if I were scheduled to die tomorrow, how would I want to spend my today?

The answer was surprising in its simplicity. If I were to die tomorrow, I would want to spend my today resting, reading, and writing one last blog post to pass on anything I believed might help you as you continue your journey.

I wouldn’t stress over pinching pennies. I wouldn’t constantly search for my next investment. I wouldn’t send every last dime I’d managed to save to my brokerage account. While I wouldn’t spend myself broke, I would allow myself to buy some new music, download an ebook that caught my interest (as opposed to waiting for a physical copy to arrive after I died), then I would stretch out, take a long relaxing breath of thankfulness, and quietly savor my last day on earth as I listened to the new music playing in the background.

That is something I can do right here and now in my current life. All I have to do is shift my focus. I can achieve the life I desire to an immense degree without having to wait and hope for a future that I may not live to see.

This is why I started taking time off each week to relax. This is why I began to eliminate drama from my life.

And this is why I encourage you to do the same.

Goals are a wonderful thing. They keep us alive and moving forward but it’s neither healthy nor productive to sacrifice every moment of your now striving for a future you may not live to attain or complaining that it hasn’t arrived yet.

Today I want you to take a few moments to step back from your entire life. Ask yourself how you would want to spend today if you were scheduled to die tomorrow. Focus upon the things that don’t require money.

Would you want to spend your last day enjoying your family? If so, make arrangements to simplify your schedule so that you can start doing that now.

Would you prefer to spend your last day free of drama? Then begin cutting the major sources of drama from your life.

Would you like to be free of the endless chores that come with caring for a home? While you may not be able to eliminate them entirely, you can begin to pare down your possessions and streamline your routine to eliminate much of the overhead.

Would you like to take one final trip before you leave this life? Start making plans and saving up so that you can take that trip in the foreseeable future.

You can still work towards the future, but you don’t have to sacrifice the entirety of your now to achieve it. I have discovered that, by simply shifting your priorities a bit, that you can live the life you desire to a significant degree immediately.

Take a moment to comment upon how you would want to spend your last day of life below. Share the steps you intend to take now to make that happen. Then share this post with the one friend is sacrificing their now to worry about an uncertain future.

Thank you.

I plan to discuss the specific ways I’ve began to streamline my life in order to spend more time doing the things I enjoy without sacrificing my goals for the future. If there is a particular subject you would like for me to address, leave a comment below.

Categories
Future Me Happiness Law of Attraction self-improvement Success

The Magic of Dreaming

Beep! Beep! Beep!

The alarm clock blares, signaling another day of drudgery. You hit the snooze for as long as you dare, dreading the oncoming day until you finally jump up, catch a shower, and race to work.

You punch in at the time clock only to be greeted by your boss who has a litany of complaints and a hundred things they need you to accomplish ASAP, only to return home so brain dead that the only thing you want to do is scarf down the stale chips in your pantry and crash on the couch.

It never seems to end, does it?

Day by day, you barely have enough energy to survive, much less focus on escaping.

But you know what?

They may have enslaved your body but they can’t stop you from dreaming.

When you collapse into bed each night, imagine that you are laying down in the bed of your dreams. Use the good sheets if you have them and keep them scrupulously clean. Inhale the sweet scent of your pillow and relax because right now, at this moment, you are not a slave. You are free, and you are stretched out in your new life.

Imagine looking around at the tidy bedroom of the life you want. See yourself padding to the kitchen for a glass of milk or a midnight snack. Live your future life each night as you fall asleep.

Wake up a bit earlier each morning, turn on some classical music (classical makes one think of wealth), sit down, and think.

What can you do, right now, that will allow you to live your dream?

Write down the ideas that result from your brainstorming. In time, one of the ideas will click but for now just think.

Take a day off and just relax. Turn off the alarm clock. Cancel your appointments. Turn off the phone and ignore social media. Listen to the music that makes you feel wealthy and walk through your home. Pretend that you’ve made it; you’ve already achieved the life of your dreams.

Does your dream home contain empty take-out boxes scattered all over creation?

If not, then fix it.

Tidy the home of your future while you live in the home of your now.

Once you’re done with your quick clean-up, treat yourself to a long soak in the tub or an indulgent shower. Dress in your nicest comfy clothes and settle into your favorite spot.

For now, at this moment, you are wealthy. You’ve achieved your dream. You don’t have to go to the job. You’ve got food in your belly, clothes on your back, and your time is your own.

How will you spend it?

Perhaps wealthy you would like to research one of the ideas from your earlier brainstorming session? If so, then read a book or watch some videos on the subject. Whatever it is that you see wealthy you doing in a moment of peaceful down-time at home, do it the best that you can.

When you go to bed that night, know that you have lived the life of your dreams for a day. Savor the fact that, despite your current circumstances, they didn’t stop you from resting your body and opening your mind.

It sounds insane but it works. Taking the time to imagine the life you want to lead, to live in it now, where you currently are, will work wonders not only for your mood but for your future progress. It allows you to escape the ruts that you’ve fallen into, clear your head, and take those first tiny steps towards your dreams.

That was how I started down my path. At first, I took long soaks in the tub to hide from the misery of my life. Next, I started cleaning my home while my husband was away, pretending that I was free from my unhappy marriage and getting my life sorted.

In time I dreamed of a life where I could raise my kids without having to work in a public job. I started brainstorming ways to make it happen.

Since I loved to write and help people, I imagined a life where I could sit at home and raise my children in peace while I typed at my computer. I didn’t know how I would make that happen; I simply pretended that I was doing just that whenever I sat down to write a journal entry or whatnot.

Before I knew what hit me I had a successful website and a number of books published. Those books produced enough royalties for me to stop working entirely.

I started it all by dreaming.

I Have a Confession to Make

I had forgotten about those early days when all I could do was dream. I didn’t even realize until recently that those dreams were the first steps I took to create my reality. If not for dreaming about the life I wanted to lead, living it the best I was able in the moments I could, I would have never been inspired to start this website or write my first book.

Now that my kids are grown it is time for another dream. I’m living it now as I write this.

What do you dream?