I’ve caught myself thinking something satisfying lately every time I see someone older than me with something I badly desire (paid off house, killer career, the life of retirement). And that is:
“I’d rather be young”
It’s kinda mean, but I can’t tell you how much it pipes down my jealousy! We’re all gonna get old at some point, of course – no way around that – but this new (internal) saying is an important reminder to just stop freaking trying to SPEED UP TIME SO MUCH to accomplish our goals!
Why are we always in such a rush to get to that next level? Why do we have to hurry across that finish line, only to start a new race shortly after? Why can’t we just be happy with what we have??
We talk a lot about the power of time and how compound interest/savings/investing does wonders to our money – and rightfully so – but it’s easy to get caught up wishing for the future to come faster and forget to appreciate what we have here and now – TIME. And, well, a heart beat.
(I should also point out I’ve been reading a lot of articles lately on billionaires who have since departed this great Earth of ours, and that no matter how much money you have you’d gladly trade it in for more years to live. Hell, this goes for living billionaires too – how many times have you wished you were Warren Buffett? Having gobs of money would be amazing, but what if it meant you were now 84?)
Tell me if this looks familiar:
- In 5 more years I’ll be out of debt – I can’t wait!
- Oh my gosh, only 13 more years to go until the whole house is paid off!
- 30 more years until I can finally retire, I wish it were already here!!
All amazing milestones, but here’s the thing.
- When our debt is gone we’ll be 5 years older
- When our house is paid off we’ll be 13 years older
- And when we’re finally retired and living “the good life” we’ll be (*gasp*) 30 years older!
And guess what? It doesn’t matter how old you are right now either. The fact is you’ll be THAT much older when your goals have finally been met. Which is exactly zero amounts of fun.
So while yes, we DO need to keep dreaming and planning for a life of financial freedom, we also need to keep in mind that we already have the most precious thing there is right now – time. Nothing is guaranteed, and no matter how old you are at this moment, it’ll be the youngest you’ll *ever* be again. That’s pretty crazy… And, well, depressing, haha… sorry.
(Actually, here’s something else equally as depressing/fascinating at the same time: In 100 years everyone you know will be dead. Your friends, family, lovers, dogs, kids, co-workers, favorite singers/ actors/politicians, mentors, enemies, and almost every baby alive right now as well. In 100 years the entire planet will be covered with an entirely new set of humans taking over where we left off – WOW!)
Point is, keep striving for your goals and rocking that money, but don’t forget to slow down and appreciate what you DO have right now – a living breathing body of awesomeness. The money will come, but it means nothing if we rushed through our lives to get it.
Let’s stop for a moment and love where we are TODAY!
PS: Someone once told me I was a “millionaire in training” because it was only a matter of time until I hit that milestone. I really liked that because the truth is if we ALL keep going the way we are with always improving our finances, it’s only a matter of time until EVERYONE hits their goals too.It’s simple math!
PPS: If you liked today’s saying, try on this other one for size too – “Anyone can buy that” ;)
Killer resources and apps:
- Best Budget Templates & Spreadsheets (FREE)— The best free budget templates from around the community! Including the ones I use :)
- Personal Capital* (FREE) — A great app to track your investments and net worth. You can see an in-depth review we did here from a millionaire who checks it daily 😂
- You Need a Budget (YNAB)* (FREE TRIAL, then $14.99/mo or $98.99/year) — One of the BEST budgeting methods in the space, with new users saving $600 on avg their first two months, and more than $6,000 over their first year! Check out my friend Vic’s review of YNAB here that went on to completely change his finances 💪
- Digit (FREE 6 mo. Trial, then $5/mo) — This is one of my favorite apps for automatically saving money, and I even came on board as an advisor I believed in them so much! You can see my full review on Digit here.
- Acorns* ($3-$5/mo) – Similar to Digit, this app helps you automatically INVEST money by rounding up all your transactions to the nearest dollar and then investing it right away for you. My full review of Acorns can be found here.
- Honey (FREE) — By far my favorite coupon service out there! Click the Honey button any time you're about to buy something online, and BOOM - any discounts it finds will be automatically applied at checkout. You can see my write up on them here.
- Credit Karma* (FREE) — An easy way to check and monitor your credit score AND report! See my full review of these guys here.
- My Favorite Blogs + Books < -- Click here to see all my other recommendations!