Bill Mackay

Call Me Financially Irresponsible 
I have done careless things without thinking or worrying about the possible bad results. Consider my endorsement of more government intervention to curb this collective practice as atonement.

Nobody wants to be responsible for what’s happening around us. “Pass the buck” takes on new meaning in a lifestyle context. Most of you could have used a government bail-out at some point. Unlike national treasuries, you can’t print money when you need it.

That’s the value of credit cards. We simply ‘swipe’ money from others who expect to be repaid one day. While that’s a legal obligation the lender has the power to enforce we can simply escape the debt by declaring bankruptcy.

And this ‘no shame, no blame’ convention now applies at the highest levels of the banking and financial sector. Now that we all practice ‘magic slate’ accounting what next?

Here’s the brutal truth. You can’t save for a better future if you’re too greedy for all the material stuff. Spending and saving don’t work together when your consumption exceeds your income. You have to make new choices.

How many of you are ready to choose more happiness and fulfillment than you’ve ever had before? I thought so. There is a caveat though…you can have something you want (within reason) but not every thing.

Choose spending to get you toward that ‘something’. It’s a process. But you need a plan because you don’t really have a saving problem. You have a spending problem! It’s not the money; it’s what you do with it. That’s why “SAVING is for Suckers!” until you fix your problem.

The missing link is a plan that smacks you with an awareness of how much money you spend on everything but what gives you the greatest lasting satisfaction and enduring pleasure. It’s often what brings a smile to your face just thinking about it.

Without that ‘something’ in your life, all that you have achieved, acquired and been celebrated for will not compensate for its absence. This is your passion absolute. How cool is that!

To find it, invest in it, and surround yourself with it is very simple. Change your perception of the good life. Take a different road and redirect your spending to a very personalized and intimate priority where valuing your true individuality is what really matters most. It’s not about more stuff.



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