One of my favorite feisty bloggers online, Lindsay over at TeacHer Finance, wrote an excellent post that harkens back to the good ol’ days of witty mothers, wives, and ex-girlfriends.
Her post could be summarized like this:
“You don’t have to care about your money, but you’ll have to pay the consequences if you don’t.”
I love how simple that is, yet how much truth it contains. We don’t have to do anything in our lives we don’t want to do (except for maybe breathing and eating), but it’s on us if we end up poor and lonely and “in a ditch somewhere,” as my mother used to point out when partying all hours of the night. We have total control of our destiny, and if we don’t feel like doing something we don’t have to do it. We just have to live with the damn consequences that come after ;)
Not unlike these other things I’ve heard while growing up over the years:
- No, you don’t have to brush your teeth if you don’t want to, but they might fall out later
- You don’t want to finish your vegetables? No problem – no dessert for you! (a la Soup Nazi)
- Sure you can play video games all day today, but you’ll be grounded for a week when you’re done
- And my favorite, “You want to go hook up with other girls? No problem. I just won’t be here when you get back” – from one of my clever ex-girlfriends… Who eventually got tired of me asking such questions ;)
And while I’m all grown up now and out of the house of my mother’s, she still likes to poke my buttons whether she means to or not. Most recently, with telling me how much I “need to stop working so much” and “relax more.” To which I politely remind her that I COULD work less and do some more relaxing, but then all my projects and money starts slipping away and her darling son will soon come crawling back requesting a hefty loan from the Bank of Mom & Dad.
We have this same conversation about once a week now, and I still don’t think she gets it.
“Just work 9-5 hours like everyone else. You’ll be fine, I promise.”
“Mom, it doesn’t work that way. The online world is 24/7 – there is no 9-5! And how else would I get to retire earlier than everyone else anyways? How do you suggest I pay for our non-employee insurance, and our daycare, and our house that’s underwater, and our rent, and pretty much every single thing else since we’re only on ONE income right now? I can’t “just relax,” I’m a hustler, baby! What don’t you understand lady?”
Haha…. Okay, well I always leave out that last part of course, but you get the point ;) Actions and consequences, right? All stuff you guys already know, but a good reminder to keep in the back of your head when you’re doing some of this stuff you may or may not be too excited about. And it does feel pretty empowering too, as Lindsay also points out.
All these choices are ultimately OURS. And the more we choose wisely, the more we’re allowed to celebrate and pat ourselves on the back later. Even for those little wins like brushing our teeth and eating our vegetables :) Some may be more agonizing than others, but at the end of the day our future depends on all these decisions we’re making, and the more we choose the right paths for *us,* the happier we’ll be. Even if it means battling our mothers.
(If you’re reading this right now, I love you mom! But stop trying to slow my hustle!)
Photo credit: apdk / not my mother
PS: Some of my favorite tools:
|Personal Capital (FREE) -- If you’re looking for a robust financial tracker, Personal Capital is the way to go! They’re like Mint, but on steroids and have much better tools for investment and net worth tracking. // Full review|
|Digit (FREE) -- A super easy (and automated) way to save. Every day Digit analyzes your income and expenses and will push money aside for you any time it sees extra sitting there. I've saved over $4,000 myself using them so far! // Full review|
|Acorns -- Having trouble finding money to invest? Check out Acorns – they round up all your transactions to the nearest $1.00 and drops the difference into an investment portfolio for you. Easy way to start investing! // Full review|