Insights, Lessons, & Tools

There’s more to setting big financial goals than just “living like you are broke”

Staying in a “cheapskate” mentality will just make you think like a broke person and worry about every expense. Eventually it settles in to become your identity and who you are.

Eating tap ramen or off the dollar menu? Never taking a vacation? Using outdated tech or worn out gear? Giving your wife or husband and kids or other loved ones a maximum of 30 minutes or an hour a day? No adventures? Working 12-16 hour days 5 to 7 days a week?

No honor in that. What a boring as f*ck life and personality to have!

If that is your style of living, I wouldn’t care how many zeros are on your bank account, unless you are doing something big that is truly changing the world, I wouldn’t respect you, I couldn’t respect myself for being like this.

Rather than living like you are broke and forgetting about living a life, why not take the time to plan your big lifestyle goals and get excited about building an income that is large enough to fund them?

I am not saying to go out and live beyond your means using 29% interest rate credit cards to fund fancy vacations and overpriced toys…

But I am encouraging you to dream big and get an idea for what it will take to plan and live a good life.

Once you have numbers pegged to some of your goals, it then enables you to prioritize.

Is this a goal that you want to accomplish now and in the short term? Or could it be postponed and paid for by directing that same amount of money towards starting a new business or buying investments that will grow and later pay for those purchases?

It’s up to you.

Personally, some things can’t wait for me. My sons are growing up fast, and experiences will never be captured if I choose to postpone some types of purchases just so that “one day” my bank account might be bigger.

Honestly, you’re going to wake up screwed one day in the future if you continue to believe that having ONLY a job or income streams that provide anything less than $250k a year is ok. Less than this amount will not provide the means for you to accomplish big lifestyle goals without going into serious debt.

Accepting the idea that if you just live like you are broke on a small salary, and save, save, save will just be a slow, long, hard, and likely disappointing journey.

The key is to start thinking in terms of providing value to others, building momentum, and gaining leverage by doing things that produce bigger outcomes without sacrificing more time, effort, and energy.

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Nathan Bray

Founder / UX / Design

About Me

Hi, my name is Nathan Bray. I know how difficult and time consuming it can be to make progress with a website or digital marketing project. So, I'd like to share with you many of the key insights I've discovered from my own experience that can provide a significant boost of positive results.

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I write frequently about the challenges I encounter, and share my journey towards solving them. Failing forward paves the way for growth and success, and often through writing I gain deep insights into mindset, money, career, user experience design, business, and other intriguing topics. Feel free to dive into some of my recent posts and share your own thoughts with a comment.