Lets talk about the need to have the best. The need to have more money saved, to have the best car, or the best place to go on vacation, or the urge to squirrel away money and do nothing with it. Yes, these are topics that most people don’t want to talk about. Well, some people don’t want to talk about them. I have a strong belief in enjoying life and saving for when I retire. I don’t understand the 2 extremes. You know what I’m talking about.
These are the people who save EVERY SINGLE PENNY. They are extreme couponers, the crazy cheapstakes, the ones who have a hard time spending anything. Why? Well, because they want to save for the future. While there is nothing wrong with that; I do get a little scared to see that type of behaviour. We’re not promised tomorrow, so why are you putting yourself through all sorts of discomfort today to live comfortably tomorrow? Obviously I’m not saying that saving for retirement is not smart, or putting something away for a rainy day is the best thing you can do for yourself, but the mentality of wanting more tomorrow by sacrificing today scares me. It has always scared me. Life is single best blessing/gift we have been given. The fact that we have the ability to travel the world in a day, and see things that our grandparents dreamt of means that we should enjoy that, or at the very least appreciate it.
These are the people who have to buy the nicest car, order the best/most expensive on the menu. The ones who need to spend $50,000 + on a wedding (even tho their parents will be paying for it). I cringe every time I watch people looking at expensive wedding gowns on TV. Don’t get me wrong, I drive a pretty car, I like $6 drinks at Starbucks, and I spend way more than I should eating out, spend $25 on a lipstick, but I’ve also learnt how to budget, or at least figured out what percentage of money needs to be allocated to what. Do I have it down right? HELL NO. I mess up all the time, and I try very very hard not to judge anyone who makes mistakes. Its the over the top spenders that scare me. Especially when I know that they are living way way way above their means.
Now you may be wondering why I’m talking about this. You see I have 3 siblings; 2 sisters, and an amazingly fantastic brother (not that my sisters aren’t amazing either). When it comes to money, my sisters are the most cautious people you’ll ever meet. They like thinking over EVERY SINGLE PURCHASE for days. This makes them happy and drives me crazy. 1 of them graduated University without any student debt, and chances that the other will too. The one who graduated University just started Med School in California. What that means is that her debt load will equal the cost of the average house here.
My brother, on the other hand, just came back from wandering around St Maarten and Anguilla for 2 weeks. We are the same person when it comes to impulsive trips. Our decision making matrix is somewhat broken. I have no doubt that he will have a boat load of debt when he graduates, and starts his Masters.
The difference between us siblings is that 2 of us have stories of our adventures, and the other 2 have no debt. I’m not sure who wins here.
What I do know is that I act according to my beliefs. And I believe that life is for those who are willing to take the risk and do so. I believe that if you’re smart about your money, you can walk away from a great paying job and wander the world for a while. I believe that 80% of your income shouldn’t be saved if you’re living on mac and cheese. And most importantly I believe that today is the only day that we have, but tomorrow is a possibility. So go on an adventure, and make it one to remember, but have something to come home to.