What if money wasn’t in the picture at all?

In preparation for a new year and a fresh start, I thought I’d throw a question out there:

What if you had so much money (millions, MILLIONS) that you could pretty much buy and do whatever you wanted?

What would you do first to use up the money if it was unlimited?

A big house? Cars? A designer clothing closet the side of an apartment?

Shoes stacked up all around the walls and colour coded.

But after you’ve filled your closets with all the clothes and shoes you can possibly imagine, including all the best furniture in the world in the most ideal way possible, where do you go from there?

And that’s the way you should be thinking about your life because if money was not in the picture at all.

It may never be possible to use a jet plane to get to work every day, or to basically go on shopping sprees in any and every major city in the world every single weekend.

However,what you want to do if money wasn’t in the equation is the stepping stone to finally realizing what your dreams are.

It sounds SO cheesy but this is stuff I hear all the time:

“We can’t have kids because we have to make sure that we have enough money saved.”“…but we also don’t have enough money saved because we’re in debt up to our eyeballs and we want that cleared before we have kids….”“…and on top of that, we have no idea where or how to start getting rid of the debt.”

Well the first step is to identify the goals and the dreams so that you can pin down what makes you tick and then figure out how to get there in the fastest, most efficient way possible.

And if they’re all on the back burner and totally clouded by the fact that money is the noose hanging over those dreams, then you end up procrastinating and putting them off to the side.

Then, it becomes too late and you are only left with regrets.

Or maybe you end up spending more money because now you have to get in vitro fertilization because you waited too long.

Life isn’t totally spontaneous, and sure, people get lucky all the time however behind all of that, you may just find that a lot of it has to do with them having thought about their goals.

I’m sure those people actually did some rough planning on how to make it work and how to get to that point, even if those initial plans ended up falling through.

So, this is not a total poster for running out, quitting your job and doing what you’ve always wanted to do – jet around the world… but it’s more of a way to get you to lie down on your bed, uninterrupted for 20 minutes, and think about what you want.

What you REALLY want, if money was not in the picture.

Money or getting out of debt is a very easy goal to work towards, believe it or not, because it has a finite resource and actual numbers that you can see in a bank account.

Pinning down your heart’s dreams is a lot harder because you have to dig deep and face the facts.

Okay, enough with the Oprah talk.

I’m going to leave you with a story I read on Millionaire Mommy Next Door, called The Mexican Fisherman.

An American investment banker was at the pier of a small coastal Mexican village when a small boat with just one fisherman docked. Inside the small boat were several large yellowfin tuna. The American complimented the Mexican on the quality of his fish and asked how long it took to catch them.

The Mexican replied, “Only a little while.”

The American then asked him why didn’t he stay out longer and catch more fish. The Mexican replied that he had enough to support his family’s immediate needs. The American then asked, “But what do you do with the rest of your time?”

The Mexican fisherman said, “I sleep late, fish a little, play with my children, take siestas with my wife, Maria, stroll into the village each evening where I sip wine, and play guitar with my amigos. I have a full and busy life, senor.”

The American scoffed, “I am a Harvard MBA and could help you. You should spend more time fishing and with the proceeds, buy a bigger boat. With the proceeds from the bigger boat, you could buy several boats; eventually you would have a fleet of fishing boats. Instead of selling your catch to a middleman you would sell directly to the processor, eventually opening your own cannery. You would control the product, processing, and distribution. You would need to leave this small coastal fishing village and move to Mexico City, then LA and eventually New York City, where you will run your expanding enterprise.”

The Mexican fisherman asked, “But, how long will this all take?”

To which the American replied, “15 – 20 years.”

“But what then?” asked the Mexican.

The American laughed and said, “That’s the best part. When the time is right you would sell your company stock to the public and become very rich; you would make millions!”

“Millions – then what, senor?”

The American said, “Then you would retire. Move to a small coastal fishing village where you would sleep late, fish a little, play with your kids, take siestas with your wife, stroll to the village in the evenings where you could sip wine and play your guitar with your amigos.”

About the Author

Just a girl trying to find a balance between being a Shopaholic and a Saver. I cleared $60,000 in 18 months earning $65,000 gross/year. Now I am self-employed, and you can read more about my story here, or visit my other blog: The Everyday Minimalist.