Wednesday, August 29, 2012

Respecting Money = Having Wealth

New Age teachers love to ra-ra over "We're created with abundance, it's in our DNA." and stuff that most would pooh-pooh.  The rational would retort, "Ya, why don't I bleed money then?"

And I'd laugh at the side.

With The Secret, The Power of Now, Osho, The Diamond Cutter etc etc, why aren't the world a better place yet?  Or lets not get too ambitious, why aren't most of us happier?  And the thought that most don't dare to ask themselves, why aren't most of us wealthier?

Or at the very least, keep more money than we usually do?

Ah, the keyword now isn't "have", or "earn", but keep.  Why aren't most of us keeping more money?

Now we need to identify this.

There're people who earn SGD$8000, single with little debt, but at the end of each month = left with SGD$300.
There're people who earn SGD$4000, married with kids, left with SGD$300 at the end of the month.

Something isn't right here, no?

All the New Age coaches talk about creating more wealth, abundance and etc, they don't teach keeping wealth.  Exactly because it's too difficult to teach this to the fickle + greedy human beings.  Or maybe worse, they may not even know it themselves.

Now I think most would agree, having a stash of money require a certain level of discipline, but this is just tip of the iceberge.

Discipline = rules = set in our mind to follow piously.  What comes before discipline is our perception of money + wealth.  Many people are not taught the right perception towards money = over-spend or over-save.

Over-spend create aggressive chaos in our lives = run into debts.
Over-save crete passive chaos in our lives = our lives are too stagnant + boring.

Money is the fuel of every material thing on this earth = it has the power to create secondary feelings of happiness and joy.  The primary power is the nature + health of our souls, but we're not talking about this now.

Being the sole fuel to every tangible thing on this earth = it has immense energy + it imparts immense energy = it gives adult human beings the sense of power + in control.

**  Animals have no use for money = no perception of it.  Babies, will come to it very soon.  HAHAHAHA.

So, to keep money (or wealth), we need to correct our perception of money.

I've said on my Plurk to treat money like the most loved in our life + the most valuable employee in the company if we're a boss.  But sadly, most of us don't have a most loved in our lives (we think we do, but we don't) + most of us don't even have a good boss to being with.

That's why we don't know how to sustain wealth and/or keep our money. 

Why?  Let me explain.

Money is a good slave but a poor master, heard of this before?  Go google, it's true.

But I'm going to take it further = Money is a good lover and/or employee but a poor master + we're poor masters of the good lover and/or employee.

When we truly love someone, we can't bear for him/her to leave us.

But we push money away to buy things we don't need = we've lots of "mistresses" = it has been exchanged for many mistresses that caught our fancy.  Like extra-marital affairs.  When we exchanged our true love for mistresses = our loved one don't come back, of course.

Do these mistresses give us stability in life?  No.
Do they add value to our lives?  We need to spend more to upkeep it.
Do they appreciate as time goes?  They depreciate like youth + cars.

Because it has been had by the sheer spark of passion = fireworks = dies as soon as it's born = we're not respecting the hardearned money that took so much effort to reach us.

All true loves experience loads to stick together + understand each other + walk the miles.  Like how we got our hard-earned cash, but we give it all away.  Because we don't truly love them.

And I wondered why the Chinese has an old saying, "When a man truly loves his wife, he will be a rich man."

Ah....Now I know.

When 2 people are truly + wisely in love = they'd work for each other's benefits + happiness = when we work for others and not ourselves, we receive more in return.  This is the Universal Law.

When a man + woman truly love each other....

Man would want to keep more money for their expenses + financial stability.
Woman will want to spend wisely because the man works very hard to earn the money.

This is a mutually inclusive thing.

Another way to look at it = when we're unhappy = we spend more to de-stress.  Or we create more spending space to de-stress.

Example = one don't spend more to de-stress but treat the people around them like emotional trashbins.  When a human being has been injected with toxic emotions = they need to release it = resolve it by spending money outside to re-create the emotional balance again.

This is how we lose money = we need to keep the right friends and/or people in our lives.

This goes the same to an employee we really love most = we don't want them to resign + leave the company = we'd do our very best to keep them.  But this is not the case in many realities.

In gist....

Happy marital relationships = keep more money 'cos they'd be considerate for each other (hence would keep a tight rein into expenses) + less emotional shit to clear = waste less money.

So now, we need to know ourselves deep enough to understand what truly make us tick = What makes me happy + unhappy = work on resolving the unhappy bits.

Most people live an unhappy life of varying ratio = using different amount of money to resolve it temporarily before the cycle runs again.

But since most of the human beings don't have a true love in their lives, we can still achieve sustaining wealth by this very important 1st step = loving ourselves.

Without this foundation, everything else building onto it = would crumble + fall apart 1 day = lots of regrets at deathbeds.

Then why is wealth a perception?  A feeling?

How much do you need to feel wealthy? 
Have you sit down + ponder over this at all?
Even work out the true sum?

Most don't.

They just assume = Ok, I'd need SGD$100 million of today's value (or any big amount) to live a comfortable life + provide for my wife and kids till the day I die.  Then they get depressed that they'd never get it = have to work till they die.

This Math is wrong.

People often think having a limitless amount of money = wealthy = they'll feel happy + secured.

Wrong.

The perception of wealth = a feeling of our inner security with money.

Some people feel wealthy earning SGD$5000 a month.
Some feel wealthy with SGD$10000.
Some with SGD$20000.

You need to have a good grasp of how much you really need to feel happy, not how much to spend to be happy.

This needs a good sitting down to mull over yourself = what do I need to be happy?  At least in the material sense?  Note it down and exercise it for 1 month or 2, then see how much happier you are.

In reality, the euphoria of spending more money on daily things wear off easily = you don't feel the kick or spark after sometime.  Then goes on to bigger ticket items to get the same feeling of "happiness".  This is where the vicious cycle comes in.

This is how debt comes in.

This is where most human beings fail to realise = happiness isn't bought by money.  Though the secondary line of it can be achieved by money.

What we need to focus on = the secondary line.  Lets not be too ambitious for something that most people aren't even sure about = Am I happy?

Spending a little bit more to make our daily runnings in life smoother + easier = a worthy purchase/spend.  Spending more on things that look cute/trendy/because we're stressed = wrong, 'cos our basic needs aren't met yet.

When our basics aren't covered = we tend to feel more crappy.

This is the simple Maslow's Law but too many people skip 3 levels to go all the way to spiritual happiness, thinking it would solve their basic needs.

Wrong.

Our human body can't miss the gastrics part to reach our head.
A building can't miss out level 3, 4, 5 to get to level 11.

Instead of spending $30 on a new pair of shoes you don't need + no one will remember how many pairs of shoes you own anyway, try this.....

Divert that $30 to a cab trip home when you're really tired after a long day of work + you don't really feel like squeezing in the public transport + reaching home late.

The ROI of this $30 = time saved + less stress from public transport.

Alternatively, you can divert this $30 to a meal in a restaurant, instead of jostling for a seat in the foodcourt or sweating out in the hawker centre = adding stress to yourself.

Use money to buy peace or to de-stress = a wiser move to money management than pandering to our emotional whims for things we do not need.

This is respecting money, by letting it work the right way for us.

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