Lmao stole the words out of my keyboard

Yep, my husband and I both have medical issues that almost guarantee that we won’t make “old bones”.

We save for our future and are sensible with our money but we don’t do it at the expense of enjoying our lives right now.

We still buy the odd take-away meal and get it delivered. We treat ourselves to a new pair of boots when needed. We balance it so that we have plenty for emergencies and our future but also enjoy our lives right now!

A lot of people can’t do what we do. They have no savings, no pension etc and there are no guarantees we won’t end up that way. So we’re careful but we still enjoy life when we can.

Yeah, right. I could justify giving a whole day of work away because I’ll work tomorrow. It doesn’t work out too well.

A better way to save is to have your paychecks split so part automatically goes into a separate savings account. The rest is yours to fuck around with as you please. Just make sure to pay attention to major bills coming up.

This is a great tip. But honestly I just fucking wing it.

Not sure. Try to see if you can open one with your bank

Retirement age is 65 and median age of death is 72 for males, time is not guaranteed.

Well that's the point of the book! You can never replace the hours you spend. If you'd rather trade an hour of work for an hour of "enjoyable lunch" as compared to one hour less of work for a less enjoyable lunch then you've made a good decision!

The issue is that folks think that their income is really something they just automatically spend, rather than something they traded away the hours of their lives for.

If you don't spend that money, you can either negotiate reduced hours, or bring forward retirement by that many hours (well, far more when including investment growth, but you have to factor in your risk of dying before you get to enjoy it), or use the accumulated savings to take a break from work of that many hours when between jobs.

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Google is easy. Hence my calling bullcrap.

I am not discouraged, just commenting that it was not in my way of thinking as my tips were day to day and my purchases from them were day to day. I enjoyed my work just couldn't use it like a normal 9to5 employee for budgeting.

Of course, the point is to make a wholistic decision about how you balance your capital assets, liabilities, and investments (cost & risks vs returns). Those are meaningful terms much beyond monetary definitions, but you have to be able to draw meaningful monetary decisions based on them.

Mental and physical health is one of the most important and valuable asset we have, so it's a no brainer to invest in it, but the how and the what is quite subjective. There's no marketing book that can teach you this, you'd have to come up with your own evaluation system.

For entertainment, I used to rely on value of $ / hr spent entertained as my decision metrics, that's when gaming was by far at the top. I couldn't understand people who paid hundreds if not thousands to go watch some concerts and shit. As I grew older, the equation faltered because time is a currency in itself, and I value unforgettable memories above all. Gaming still has those moments but taking too long is now a problem, not a benefit. I also have much more disposable income. Thus I went from averaging $0 / year in travel to about $30k / year in travel in my very late 20s. Yeah, I practically didn't travel before then outside of family trips I pay $0 for.

Everyone's gotta come up with their systems and continue to evolve too, but it should be a cohesive piece, not a ton of individual decisions that end up resulting in places where they didn't expect financially.

This is actually good though!

The point is to be conscious of what you're trading.

If trading X hours of your time is worth getting a ski lesson then you've made a "good" decision.

If imagining trading that much time for the ski lesson feels like a bad deal, then you've made a "bad" decision

It's not about minimizing spending, it's about making sure you trade the hours of your life for things you actually value as much as you do those hours.

start with this shortie

(I know using Google is hard, so I did one for you)

> terribly depressing paradigm

time is money? Money buys? Either way timmy will realize it's not good to spend $20 on takeout every day. This tv is xx% monthly income. It's the same anyway you handle it. Though Yes, it equates your value to society to consumerism/material

That just makes life fucking depressing. It's har, for example, to understand the true value of a cup of coffee or a jug of milk.

You're work may also be overvalued or undervalued

Take your monthly take home pay. Subtract your expenses like rent/mortgage/, car payment and insurance, utilities, 401k, etc. Then divide by the number of hours you work monthly.

This will help you make much wiser decisions.

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Only problem is when you make substantial amount of money 20$ anything is nun the less a hour,look up at my receipts door dash 4-5 times filled up the tank oz and some clothes business the rest the month I find myself excessively spending on this idealogy I reckon 40 dollars a day keep the demons away life's to short in my opinion out of a 5 day week. Treat yourself without pulling the credit card out.

I do the same thing with calories… “did I really run 6 miles so I can throw it away with two IPAs ?”

dont forget to show the police man in the lane next to yours what kind of phone it is too. so they can ticket you for being a fucking idiot

Agree most vociferous!! I’m bewildered by the number of people posting things they wouldn’t want an employer or a potential date to see under their real names. I also don’t use my real name for Social Media except LinkedIn and I don’t post my opinions on the best anal lubes in LinkedIn. Those worlds should be kept completely separated, as Offspring famously sang.

Or you know, don't look at your fucking phone while driving.

The exception to this is when the fees to use the card are more than accepting the crap rates to use home currency.

An example my card used to charge A$5 + 5% currency conversion fees where the ripoff machine only charged about 3-4% and no fee on top.

if

If you would have just read the sidebar.

Now that was a good use of the word if.

I can dig that too, and I understand that for some professions you really do need an active social media presence. A big problem though is a lot of people have just been posting every crazy thing they do under their real names and if you get Googled during the hiring process they are gonna find stuff they won't / might not like.

Luckily I'm in a medical field where that stuff doesn't matter as long as they aren't finding any horrible shit associated with my name lol.