#Things to consider

  • Get to understand how much money is enough for you to have a life you love, now and in the future.
  • Stop buying yourself out of every problem and see challenges as opportunities to learn new skills.
  • Endless desire is one of the pitfalls of human nature, and one of the first things you need to cure if you want to get ahead more quickly.
  • It’s not about the money; it’s about the meaning, about clearing away clutter to get to the marrow of life.
  • Financial Independence means no longer having to work for money. Financial Integrity is achieved by learning the true impact of your earning and spending, both on your immediate family and on the planet.
  • Our happiest moments come from love and contribution, and we want more time for what makes life truly meaningful.
  • One tangible outcome of Financial Intelligence is getting out of debt and having at least six months of basic living expenses in the bank.
  • If you live for having it all, what you have is never enough. There are limits in nature. At a physical level, nothing grows forever.
  • Enough is a fearless place. A trusting place. An honest and self-observant place.
  • You can never have enough if you are measuring by what others have or think.
  • Clutter is anything that is excess—for you. It’s whatever you have that doesn’t serve you, yet takes up space in your world.
  • “Which expenses would decrease or disappear altogether if I didn’t work for money?”
  • Waste lies not in the number of possessions but in the failure to enjoy them. To be frugal means to have a high joy-to-stuff ratio.
  • Advertising doesn’t make you buy stuff. Other people’s expectations don’t make you buy stuff. Television doesn’t make you buy stuff. Your thoughts make you buy stuff. Watch those suckers

#Monthly tabulation example

#Don’t buy yourself out of every problem

Don’t get into a mindset which proposes that you buy yourself out of every problem. Instead see the problems as challenges that you need to figure out, maybe by learning a new skill set, or thinking about the problem differently? This leads to a life of growth and curiosity in comparison to a life of consumerism.

#Checklist of things to consider when investing

  1. Is this investment in line with my values?
  2. Is this investment in line with my tolerance for risk?
  3. Does this provide overall diversification for my investments?
  4. Does this provide the current and future income I need?
  5. How easily can I liquidate (sell out of) all or part of this investment?
  6. What sales charges or penalties (if any) will I incur in getting into or out of this investment?
  7. What are the federal, state, and local tax implications of this investment for me? (Is it tax efficient for my income bracket or situation?)